HML for long term investment?

[Karine Arditi]

I've seen a lot of posts about hard money lending for short term, fix and flip investments, but I am considering a HML for a long term investment. My hesitation is the interest rates are so much higher. I don't qualify for a conventional loan since I am not currently employed.  Is HML recommended for a buy and hold investment or is there an option I may have overlooked?  

If HML is recommended, do you have experience with LendingHome? I've read mixed reviews.