Why are you thinking hard money? Most hard money lenders are into short term loans with high rates. One that I will work with charges 3 points and 15% that's for only 12 months. Unless your thinking of buying a property and then refinancing it out at 75% LTV in 6-12 months.
The American Association of Private Lenders website directory should give you a list of lenders in your area who will provide financing for buy and hold rental properties.