hard money lenders

[Bill Short]

my brother and i found a reo and are going to jump in and start doing this as a business  now mind you we have read countless books and seminars.  so we are going to get this place under contract with a 20000.00 down and its a cash deal    so my question is do i contact a hard money lender and ask him for the balance plus the rehab cost    question number 2    does anyone know of a hml in oregon   and the arv of the place will be close to 200000.00 after we rehab purchace  price is 120000.00 so we will need aprox a loan of around 110000.00    remember we are both new and any advice or info will be helpful