Even if your credit is lacking, you don’t have to take out a hard money loan. There are some traditional mortgage lenders that have experience working with investors or borrowers with unique financial circumstances, and even some that offer bridge loans in addition to the typical 30-year loan.You could also try owner financing, or to raise the capital yourself.“Private lenders are easier to find than you think — it could be a real estate investor, a family member or friend who has a considerable amount of cash they can lend,” says Shipwash. “In some cases, individuals can even use their retirement accounts to lend you money and invest in your project.”