1st investment property

[Marguerite Dazilme]

Hi everyone-

I am new this site and real estate investment.  my husband and I already have a primary residence however we are interested in purchasing an investment property in Wildwood NJ.   The problem is our credit is not the best.  We thinking of getting a hard money loan.  Does anyone knows if a monthly payment exist for hard money loan or would we have to pay the loan in its entity at once?  Also does anyone have any info for the best hard money loan companies?