Bank or Hard money Lender

[Priceton Braswell]

Ive never bought property. I found a duplex with 26% cocroi. $326 profit per month after expenses/mortgage according to my analysis. I'm interested in purchasing it. I have 20 percent of the $70000 asking price. I was In a car accident. My credit is shot with 1.2 million in medical bills. Will this cause me issues getting approved for the mortgage from a regular bank. If it will then is possible to have a hard money lender finance and then refinance through a bank. Sort of like the brrr strategy but with no rehab. Thank you for any advice I really appreciate it.