Best way to finance a BRRRR

[Mary Baccellieri]

Hi everyone :) someone may have already asked this question so please link the thread below if so.

What is the best way to finance a BRRRR in your opinion? HML? Private money?

I was leaning more towards HML but I'm worried about not having the required personal funds to use it to pay for: points, interest and origination fees. Does someone have a ratio perhaps of if they are borrowing X amount from a HML, they make sure they have Y amount in their own cash reserves to account for these costs? (On top of whatever % LTV they need to pay to use HML in the first place).