I offered on an REO

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So I saw this property that looked like it just needed some new paint and clean carpet. I spoke to the realtor for the property and decided to offer $305k. The bank has it listed as 448k. Comps put it at 450k-485k. I noticed that the realtor listed me as doing conventional loan (on the purchase agreement) so I called up the lender and told them I wanted to do all cash.I havnt signed the addendum yet. And now he's asking for credit report and 1003. I'm looking for a hard money lender to help fund but my first 2 declined me. What tips does anyone have for me w/ trying to find funding or should I drop this deal?

Do hard money lenders prefer an appraisal?