Chicken or egg? Deal or loan??

[Josh Longtin]

I am researching a hard money funded deal. Found my property but have yet to make an offer. I will show my inexperience here but have to ask...I’m finding most lenders will only consider applications or quote rates on applications if the property is under contract. How can I make an offer on a deal and get it under contract without calculating the terms of the loan into my budget?? No loan without deal, no deal without loan... please advise!!