Hard Money loan question

[Christopher Adams]

Hello BP,

So I have been doing a lot of reading and research on this topic and am still a little confused. I have potentially found a deal in the Bay Area that I would like to move forward on. I am looking to find a hard money lender who does at least 70% ARV loan, I do have money saved and I have access to capitol as well. Now before I write an offer do I need anything from a HML? Like a pre-qualified letter or anything of that sort? Also how long can a HML take? I haven't even reached out to one yet being we have been looking for deals. I would assume they are all different but have the same concept.

I guess any advice on this or even HML contacts in the Bay Area would be great.

Thank you,