Sheriff foreclosure auction. unfriendly occupants. How to deal?

[Luis Blejer]

I'm new at this and I'm ready to start. I've made a connection with a hard money lender and the rest of my team is in place. My biggest fear now is:

What if I buy at the auction a property that is occupied and the occupants won't let me in for an appraisal? The Sheriff gives 30 to pay in full and they collect 20% at the auction. If I don't pay the balance I lose the deposit. The hard money lender won't release the funds without an appraisal .

Has anyone ever had that issue? Are there out there any hard money lenders who can do drive by appraisal? Keep in mind that I'm new and most lender won't do it for a newbie. How are other people getting around this issue? Does it happen often?