Hard Money Loan Question

[Al Wright]

I was scouting online for financing (mostly hard money) for acquiring rental units. I see many sites have loan programs titled "FixNFlip". With those programs, are you required to use them if you instead decide to refinance after a rehab? I was looking at Lima One Capital, for instance, and their rates seem to be reasonable (at least on the website) compared to some of the others I have found. Has anyone used them? I haven't found too many online hard money lenders that lend in West Virginia (and definitely not local WV hard money lenders).