Hard Money lender can lend you money at higher interest rate for deals you want to buy. They don't care what's credit score. Some of hard money lender an charge yoy rate 10 to 15 percent. So borrow the money from hard money lender might be your last choice if you have enough cash or good credit. But the advantage of of getting funding through hard money lenders is that they really don't care about your credit and they can handle the complete deal quickly, while most of banks will take long time to process the loan and close the deal. It's a good idea to have a source of hard money in case a bank won't fund you on time so you lose the chance to close a profitable deal. So do your homework and search for newspaper for ads that say "We Lend You Money". Develop a good relationship with 2-3 three of them in case you need the funding in a short time period.