Using a hardmoney loan to purchase property at point of auctions

[Simon Ruiz]

Hello I would like to buy my neighbors house which is anticipated to eventually go to auction ( long story) I could not purchase this property through traditional means therefore, it eventually will become a Deed in Lou of foreclosure.. I would like to purchase this property using a hard-money however, I have noticed that the auctions in my area require that the full payment be made at point of sale... From what I have read Hardmoney lenders require a contract first is this true? What option do I have since I don’t have the full balance at hand??