Owner Occupied Private Money/Hard Money

[Kaylee Bonacci]

I have been reading these posts for awhile and have found them to be very educational. Someday i hope to be on the investor side but for now i need one. The short story...is it impossible to find private or hard money loans owner occupied in NY state? Primary residence, 160k value, 60k 1st mortgage, 5.5k 2nd. Close to 100k equity, credit score (low 500's) does not allow traditional funding. Have the verifed income for a cashout refinance to pay off 35k in unsecured debt but am finding it impossible to find someone to do that. I have read many horror stories. Owe 4 mortgage payments currently and am running out of options. Am i dreaming ? Is what im trying to do even possible?