Is hard money the answer?

[John Robb]

Hey everyone,

I have found a deal, I have the money for the down payment plus a bit extra, and I have stellar credit. That being said I cannot get a loan through a bank or mortgage lender due to being self-employed and having a bad year last year. My friends and family have no interest in pursuing real estate or anything real estate related. So my question to you all is is pursuing hard-money my best bet? Thank you for the feedback.

[Allan Smith]

If you can't get a loan to buy it, how will you finance it after the HML ends? HML is risky for buy and hold unless you know you have a bank lined up for the re fi.

HML for flips is great.