If you have home equity, I would not assume that you couldn't use it. If you have decent credit, it shouldn't be a problem. It is the sub-prime loans that they have buckled down on. It is at least worth a try.
I looked at the Capital One financing as well. Unfortunately, my dr does not participate. The nearest one was an hr away. I ended up pulling part of my 401K $ to help out. I did a donor FET. I mc shortly after getting a bfp :( Now, I am trying to figure out how to come up with enough for another round. It's tough, that's for sure.