Seeking Hard Money Lender - Refi 2nd Property

[Lincoln Kai]

I have a 2nd investment single family home (3 beds, 2 bath) that I built new approximately 5 year ago in Idaho.  I currently owe 120k on the home and it's worth approximately 220k.  I am coming up about 40k short on a pending non-real estate business project.  I need a loan for about 160k, which would pay off my existing loan and provide me the cash that I need.  My credit score was mid 700's only a few months ago, but now it's at 600, because I tend to carry high balances on my credit cards/credit lines and credit inquiries.  I do not have any history of late payments.  All payments are made on-time. 

Does anyone have any recommendations on a reputable and prompt hard money lender that offers hassle-free, no income verification, no doc, no upfront appraisal fees, etc...?  Any assistance regarding this matter, would be very much appreciated!  Thanks in advance!