hard money lenders

Financing, Hard Money Lenders, Private Money
1

What is the difference between a hard money lender and a angel investor?

I have called about 30 hard money lenders who considered the fico score as a determining factor for lending. My understanding was that they did not consider the fico score, have things changed for them?

I have an apartment complex that I want to buy in california and I am having trouble finding a loan. My credit score is not all that great. Dose anyone have any advice for me.
As you can tell I am a new-bee

thank you :banghead
Sandy

2

I have been after a couple apartment buildings lately and lenders want everything, rent roll, expenses, property details, my credit score, last 2 or 3 years tax returns, bank statements, SS card, Driver’s license, first born, etc.