Greetings! New member from Tampa, FL

[Richard Gray]

Hello! Just joined Bigger Pockets. I'm just blown away at the amount of valuable information and experienced members on here.

I'm hoping to find some connections in the Tampa Bay area. I've made one successful fix-and-flip deal a couple years ago and I'm ready to get back into it. My last deal I used conventional financing through a bank but this time I want to try using hard money. Any recommendations on hard money lenders in the local area that doesn't mind working with new investors? Also, are there still loan programs out there that would finance with less than 20% down? I got y eye on a nice property at a good price but don't quite got the 20% down payment (I have about 17%) I'm afraid that by the time I get there, that property will be long gone.

Looking forward to meeting some new connections in Tampa Bay!