Does softer hard money, actually exist?

[Gabe G.]

I am in a situation where I have a high credit score.

And would have a downpayment.

I am looking multi family /small apartments in the indianapolis area.

Conventional financing wont work right now for me, so I am looking for a lender, who will loan on the deal, at above market rates, say 7-9 percent, 30 yr ammor, 3-5 yr balloon.

Does this exist? Most hard money lenders i see have ridicoulous interest rates and only loan on fix/flips.

Maybe I am looking in the wrong places?

Any opinions?

Thank you,