I recently rehabbed my first house, I'm living in the house, after purchase, rehab and cash out refi to pay off credit cards used to finish the rehab I owe around 170k and house is valued around 210k.  Since I took max cash out on the refi last year I don't believe this is an option for cash to start on another flip and would rather not sell this house if I can get a hard money loan.  I only have about 4k cash on hand, and about 10k available credit on cards which I could use to get the rehab started and get to the first draw.  

Is it realistic that with limited experience and no actual sold properties that I can find a hard money loan with very little cash down?

I completed some online applications one came back unlikely because of experience and others would require around 15k cash. 

How much cash did you start out with? 

In my area I could get a property for 130k, rehab for 30k and sell around 200k  

I could easily get a 20k personal loan to get started but this might affect my credit and chances of getting a hard money loan. 

Also a couple of the hard money lender sites wont let me complete the application without entering my company.  Do many hard money lenders only lend to businesses, should I start a company?

Thanks