<prompt> Human: I recently purchased a house that I would like to renovate . I figure 100k will cover everything . Unfortunately, I do not have any equity in the property yet to go that route. What are my options for a loan that large if any? My ideal loan would be 10 year repayment. gross roughly 9k per month .Own truck worth 25k.No real Debt besides mortgage  <response>: Save and renovate as you have cash to cover each renovation. It is slower and incremental, but more disciplined and more satisfying. 