Ways to finance a cash only deal in Texas

[Brian Winters]

Hello, I am from Cincinnati, OH and currently am house hacking in a duplex. However, that is about the extent of my real estate experience and it was relatively straightforward as far as financing, etc.... Im have been looking in the Houston, TX market where I plan to move in the very near future. I am looking for the opportunity to house hack or even a single family where I can maybe get some good appreciation. Ive come across some promising homes, but in the area I am looking a lot of the homes are currently sellers who want cash only offers. Just want to prepare for this scenario. I have a little cash saved up. Right now it is slightly over 10k, but I know most (if not all) hard money lenders want over 20% as well as will not give money for a primary residence. Does anyone know of any hard money lenders in Texas (or anywhere) that are more flexible or does anyone have other financing suggestions for cash only properties? Thanks