How to write a hard money loan into a cash-equivalent offer purchase contract?

[Kwok Wong]

Hi guys, 

There's a on market sfh for sale, and the seller wants real cash offer. They rejected our verbal hard money loan offer. 

My question is, how do I and my agent to write a purchase contract and absolutely transform a hard money loan into a cash-equivalent offer in the seller's eyes? 

And I want to hear all you guys' thought about this whether it's ethical. 

Thanks, 
Kwok

[Ned Carey]

I think using the term "Cash" in a contract is stupid. Even with a loan the seller gets cash. The issue is, 'Is there a financing contingency"  Simply put in an offer with no financing contingency. Where you get the money won't mater to most people. 

If you need a financing contingency for the hard money make it very short or put up a large EMD.