Worth It To Use Hard Money Lender Starting Out?

[Wayne Terry]

Hello All,

I am looking to start investing relatively soon. I've done tons of research on investing via books, blogs and websites like biggerpockets. Now that that I know how I want to invest, the next question is where am I going to get the money and with what credit? Hard money lenders here in Atlanta has been the only option I have run across so far, but the terms are kind of tough 15% interest and a hefty down payment. Also no owner-occupy. I understand thats something I might to live with. Is this a good idea starting out? My goal is buy rental property and quick flips. Thanks!