HELOC and Hard Money?

[Kelly Conrad]

We were approved for a HELOC for $18,800, but with alll of our funds (including the HELOC), we'd just have ~43k. In our area, multi-family homes are 250k+ and we have to put 25% down, and so we are very short on what we need, especially if anything needs repair (even our own home!). Would it be wise to take hard money, and then pay off the hard money loan with the money from HELOC since that rate is so much lower than what hard money's rate is?