How do you get and use 'Hard Money?'

[Kat Hussey]

I'm in the learning phase and I think I'll have to use hard money for the first investment because I only make $40k per year at my day job and just bought a home for myself and my S/O. I cannot apply jointly with anyone, so all loans would be based upon my income. I keep hearing/reading about hard money as a possible option, but I haven't seen much about how to actually get and use it. How do you get and use hard money?

[Anson Young]

Kat, welcome!  Do a quick google search for hard money lenders in your area, and start emailing or calling them.  They will want to know what your plans are, what you are looking for and how experienced you are.  Then they will let you know what they are looking for in a client, what kind of credit score or deals you can find.  A good hard money lender will give you everything you need to know in that initial conversation!