Hard Money Loan- credit, cash, and debts

[Kay M.]

Hello, I'm a newbie in the learning stage of investing. I've always been interested in investing in real estate and just bought my first house and will be renting it soon. I though that was the end of buying until I saved up more cash, but when I learned about HML, I got so excited! I've been reading these forums for a couple of days now and have learned so much and I'm so grateful and excited that I found this site.

Ok, so my question is about getting a HML. What are the general requirements for getting a HML these days? I know you need certain equity in the home etc. but what about credit score, and debt to income ratio? Do they check the debt to income as well or are they mainly interested in how you will secure the loan?