What if I get a hard money loan but don't have the down payment?

[Karen Warren]

What if I find a great deal and get a hard money lender to lend on it but don't have the down payment? Are there private money lenders who will loan the down payment?

[Cristian Aviles-Morales]

The real sour truth about it is is that life will be easier if you have capital before hand (10-20% of ideal property prices you're looking at). 

Good thing is that, it should motivate you to pay down your expenses (debt) as quickly as possible to then build up your war chest (capital) to be able to actively participate in the game. 

But it takes time and no one likes that.