Each hard money lender is different, from looking at their websites I’ve noticed that they’ve changed their rules (require more money down etc)…you can take a look on the left side of the screen where it says “Investor Resources” and right under there , there is a link to Hard Money Lenders you can find some that fund in your area. They should also tell you their terms as well. Usually the terms are 1 year or less as the interest rates are usually over 12% per year.