I've been looking into using a hard money lender starting out in order to purchase a property. I am concerned if using a hard money lender would be a good option and after aquiring the property then refinancing it through a conventional loan. I've been talking to banks and mortgage brokers and they seem skeptical not due to bad credit but not enough lines of credit. I'm kind of stuck here and I would really be dissappointed to miss this deal due to someone saying no, you don't qualify. I'm really trying to "think outside the box" here and looking for some advice.