HARD MONEY IN UPSTATE NY

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Need some hard money in upstate NY... Rochester... I have a few hard money people but they are all in florida... and only 1 will do NY and he is very expensive.. 2 points and 13%... i hope i can find someone who will do like 10% with a baloon payment at the end of a year. Most likley will not need a full year more like 6 months max... thanks

LTV is less then 50%
$20k loan amount.

Thanks
Ryan