How do you get and use 'Hard Money?'

[Kat Hussey]

I'm in the learning phase and I think I'll have to use hard money for the first investment because I only make $40k per year at my day job and just bought a home for myself and my S/O. I cannot apply jointly with anyone, so all loans would be based upon my income. I keep hearing/reading about hard money as a possible option, but I haven't seen much about how to actually get and use it. How do you get and use hard money?