How does this work?

[Jeff Linder]

So, what I'm finding with hard money (still having trouble finding private money) is that many HML will lend up to about 65% of the PURCHASE price of the property (not the ARV)... leaving the purchasing investor to come up with the other 35% plus repair funds.

But what if I truly do not have any money?

Do I find a 2nd lender to cover the 35% and repairs?

How have you done it or how have you heard it being done?