hard money

[Bill Short]

ok so i found a place    bank owned for 99000   10000 rehab  arv 200000    these figures are rough as im new at this    and this would be my first flip    so i need info   what to do now do i contact a hard money lender    i dont have any real money   i own my own home  but   do i make an offer to the bank  and if so do i need a pof letter   obviously i need some sound advice    anything will help   im really thinking of just making an offer and go from there but i dont want to be known as a flake  because i plan doing this a lot once i learn more and in order to do that i need help   thank you for reading and taking the time to give advice