Building my team hahshshsd

[Jordan Kenyon]

Hi everyone, A quick background on my question. I own a small landscaping company and have always had a passion for buy and hold real estate. I am very good friends with a successful GC in my area and we have had some conversations about partnering on deals and even when he doesn't partner doing the rehab through his company. He then connected me with a pretty successful realtor for our area who then connected me with a hard money lender, his terms are 12% and 3 points plus covering his legal fee. My question is since i have never used hard money before do you put a down payment with these guys or do they fund the deal then you pay agreeds upon terms. Any feed back would be greatly appreciated. As getting access to this kind of money would greatly help my investing career.