Millionaire that can't get a simple loan, need suggestions

[Matthew W.]

I had a well though thought strategic default (under legal guidance) in 2010 on a residential RE property. Back then, the lawyer told me it would hurt me for only 3-5 years max. Well that is not the case at all, and I am damaged goods until October of 2020 - I cant refinance and can't get a HELOC. (If you wonder why its that long, blame a clerical error or the length of time it took to process). Even my broker says ...nope, laws are changed.

This is comically insane, as I literally have a verified 760+ credit score (even with the default), over 1.7 million dollars in assets ($180K of this IN CASH), own 2 rental properties, 1 of which is fully paid for, and am invested in 4 other multi family complexes.  I make $250K a YEAR.  I have DECADES of perfect credit with the exception of this default, which ironically was GOOD FINANCIAL SENSE.

.....aaaaaand I can't get a pip-squeak 100K HELOC loan - something i could pay back in 8-10 months MAX. Insane??

I want this money, because my next move WAS to use my cash and the $100K to buy another opportunity property in CASH as another rental.  But I cant get the darn loan. 

need advice!!!!    Shall i consider hard money lenders - (will they be reasonable?) OR do i just have to swallow the pill and wait it out and have to pay full cash until this BLACK mark is removed?