Hard Money - is it possible to find 0 points and 10-12% interest?

[Larissa Pacifico]

I’m new in RE in US, just bought my first properties, looking for Hard Money partners, I had offers of 1point + 12%, Im in NY. Properties are great, I have experience, money for 20% down payment and rehab, money in the bank and 740 credit score. Is that possible to find 0 points? Even with higher interest rates? Any recommendations is very well appreciated. Thank you all.