Multi-family financing 2-4 unit

[Penny Griffus]

Can someone point me in the right direction of how to go about finding a legit hard money lender? I am interested in buying a multi-family...theres a few options...one is listed for 45k, 2 unit long term renters there & property is city certified. About $1k a month but owner pays water & heat. Then theres a 3 unit for 63k with about $1600 income, renters there & im assuming city certified well. Here the owner onlys pays the water. Theres a 4 unit also, 90k, about 2k income. I think i need a hard money lender because my money down takes away all of my reserves. With the 45k house my LTV would be about 50% with the 63k itd be about 70%, & the higher one would be 80%z Not sure how hard money works or if i could do a conventional mortgage with those LTV but no reserves left...