Im just getting back to this thread, sorry for the delay. I see someone posted a great list of options. In addition to those, here's what we did personally to fund our 3 rentals.
1. We took a 4% loan out on an annuity account. Back in the 80s these were hugely popular, we were newly married and got one each. You pay in every month and typically a portion is for death benefit, another goes to the admin fees and any extra you pay in goes to an investment type of account. We wanted to move on our first property and we needed a bit more cushion because we did not want to wait and I had JUST received my annual statement on my account with the amount available for a loan. I called them and the process was very simple. (in my case I cannot close my annuity because I no longer qualify for term life)
2. Retirement account, pulling all $$ out of it. yes... taking it ALL out to put into real estate. Now this is not for everyone and it bothered me greatly to see it done, but the huge returns we are seeing from this property made our decision to close out my hubby's meager retirement a sound one. Yes, it was enough for a full 25% on our second duplex, we did pay the tax penalty, it is all behind us and the property is awesome. I have a large retirement account that we will keep, don't want all our eggs in one basket...But seeing how well real estate is doing, it sure is tempting!
3. Family $$. Where and when it makes sense. We are using some family $$ which is working great in our particular situation. They earn extra $$ as they are a small silent partner in one unit. We can buy them out at any time...
Remember that if you want a fast closing, be sure to age ANY money 90 days, move it around at all and the underwriter will start digging about the source of funding. So, if you are ready to begin serious shopping, have all your finances figured out. It will make the process so much less stressful.
If your DTI is low and you can carry the burden of a smaller bank unsecured loan, that could work nicely.
I keep a list of all available funds we could use for our next project. I have them listed by % interest and term duration. We just finished rehabbing #3 and have some medical stuff to take care of this winter so will not start to work on the hunt for #4 until next spring. Can't wait to hear what you come up with!