Hi, you can get a private money loan, from someone like myself who loans their own money. There are a couple of challenges.
First, most private lenders want a lot of protection, and a much higher return. In my area, Sacramento, most private lenders get 8% to 10% for loans, with borrowers putting down 25% to 30%. I wouldn't risk my money for anything less.
Now, let's say you have a big downpayment, and you are willing to pay a higher rate until you can later refinance. You may still have a problem, because of the new TRID rules. You can Google TRID... it stands for TILA-RESPA Integrated Disclosure. TRID is making it far more difficult for private investors to loan money to individuals, because some of the exemptions are now taken away. For example, private investors used to be able to loan under short-term "temporary" financing or "bridge" loans and be exempt from TILA and RESPA, however, under TRID those exemptions are now gone. You do still have the "Business Purpose" exemption, but this would not apply to you, if you were buying a primary residence.
Here is my advice... FHA will consider a borrower in Chapter-13, if they have been making all payments on time for at least 12 months. You must also meet the other qualifying criteria, like income, debt ratios etc... FHA is a 3.5% downpayment with great rates :-) I hope that helps!