Hardmoney for a single family rental I own.

[Charles Coaston]

I used a hard money lender in the Pittsburgh area hardmoneypgh.com. I would like to use them again however I only need a little over 20k to rehab this home and get it rented. The plan is to rehab home, rent it out and go to the bank and take out money against the property and then reinvest in a 2 - 4 unit home. 

The issue with the hard money lender I dealt with requires a minimum of 30k. I would pay interest on that 30k. I don't need 30k. I could take out 30k and ot use the full amount and pay back what I did not use. I would rather not pay interest on 30k but pay interest on 20k. Does anyone have any recommendations in my area or nationally?

Thanks