Most hard money lenders will loan money based upon the 'loan to value' of the property regardless of your credit. They typically loan 50%-65% of the value with no credit requirements as they are secure in their LTV.
However, if you are a newbie with no experience and with no relationships with hard money lenders, you will most likely have to put up some of your own cash before they will lend you their money. Once you establish history and build a relationship with them, you can borrow up to their limits without putting up some of your own money.
Hard money lenders advertise on this website (see 'Investor Resources' and click on 'Hard Money Lenders'), local newspapers, and many other sites. You can also find them by a web search online.
Hope this helps.
Rob
