BRRRR strategy without burning and repeating and scaling 2026 lender recommendation

[Gp G.]

I am almost done with Rehab at my distressed property. Currently I have a hard money loan. I purchased 144k and spent like 100k so far. Original approved rehab amount 80k by this hard money lender. This hard money lender said once all repairs are done submit photos to release 80k. I am planning to provide all the photos this Thursday once my handyman/contractor finishes everything ( i am thinking I should have used general contractor even though it might have costed more but avoided lot of stress from my side and multiple trips and baby sitting this handyman who does not understand,follow and most of things also i too do not know all things too). I hope this rehab lender pays me 100k instead of 80k (as scope and budget increased which is common in big rehavs (which I am doing for the first time) . Any good lender I can talk to will do DSCR or conventional cash out refinance. I spent 100k using personal loans and credit cards may not qualify for conventional loans now. Once I get rehab amount 80k-100k I can pay off most of the personal, credit card loans. I heard people do these kinds of BRRRR projects every 3 months or 6 months with these types of challenges without any money from their pocket or impacting credit. I wonder how. Please advise