Trouble finding hard money for a low $200s ARV flip

[Harold Rutila]

The post title sums this up! I purchased a vacant single family home last October. It was $75,000. I spent the last year doing major utilities and security improvements with my own funding, and now am in need of about $120,000 to have a reputable contractor complete this fix and flip. I am planning to rent and refinance it when the project is complete. I am fine leaving my money in the deal (ie. I do not need cash out at origination of the hard money loan), but I have not found any hard money lenders interested in following up with me about this project. I had one lined up last summer, and then their terms changed, which made me ineligible because the property's ARV will be about $220,000, and not the $250,000 that they now require.

I know that lending is tightening up across the board, but perhaps someone on this forum knows of a firm I can use to get this project done. My contractor is very reputable and is excited to complete this project.