What type of Hard Lending should I look for when buying Wholesale?

[Felicia Dooley]

I have gotten some really great tips on Hard Money Lenders when looking for Wholesale investing. The problem I'm having is that a lot of Lender's want what they call "Skin in the game". They require a minimum of 20% in the rehab cost or purchase price for funding. Is this normal? If so how can a beginner investor invest when they are limited financially?? Why not just go to the bank to get financial approval?