I have no idea what....

[Stephen Mozingo]

Trying to keep it short, I have 90k in restricted escrow from a total loss payout. I need the funds from this property (my primary) in order to move out of state. I'm now upside-down in this property. With no credit or cash would a hard money lender be the way to go to build on to the guest house and sell?

[Aidan Dobbins]

@Stephen Mozingo You still need credit with hard money lenders for financing. You might have luck with a private lender, but it's probably a long-shot with them as well if the numbers aren't there

[Stephen Mozingo]

Ok thanks I appreciate the info.

[Dave Skow]

@Stephen Mozingo-  with no cash / no credit and no equity - you are not likely to be able to find any  funds  to  build what you want ...