Down Payment Drawback

[Sharaya Rutherford]

I bought my house with a VA loan and didn't have to pay a down payment. Due to that, I completely forgot about down payments (oops). I read on one of the other posts that hard money loans typically ask for 10% down payment, which from what I'm estimating right now from the properties I viewed online would be $6,000+. I would really like to start my flipping business soon and I don't think I would be able to get that money unless I put it on credit (which is not even an option with my very money-conscious husband lol). Should I just write off HMLs? Are there any that don't require a down payment? I still haven't reached out to my bank (USAA) to see if they would loan me money for flipping so I guess that's still an option. I just figure a HML would be the best option to cover both the price of the home and renovation expenses.