Hard Money eligibility for an auction purchase?

[Derriel Cribbs]

Greetings all,

I have a unique deal and I am exploring the possibility of using a hard money lender. Is there an HML that will loan a relatively small amount as low as 25-27% of the deal? I will be putting 130K cash into the deal and would need about 45K. The tricky part is, this is an online auction for a local home, so we have to have proof of funds after winning the auction. The house needs less than $10K in reno, mostly in AC repairs and pool pump. We would have it back on the market in less than a month, so I am okay with paying a 3-month interest minimum.

I realize it is -- or may be -- a unique scenario, but can anyone shed some light on anyone doing deals like this?

Thanks so much!

-D