Why is Hard Money so hard to find

[Tom C]

I am new to this, but I have been studying and researching investment property for several months now. I am looking at buying one HUD somewhere between 15 and 30K, more around the lines of 25K. These are nice homes and in a 'not so bad' area, that will require very little rehab. I just can't seem to find anyone willing to loan me so little money. My credit score is around 620 and I do have more then 6 months of reserve cash handy.

Other then going to a family member or private investor, does anyone have any other idea's how to get started on my first house?

Thanks