Transactional Funding or Hard Money?

[Isaac Ramos]

Hello,

I'm recently gotten a property under contract at $80,000 with an ARV of $110,000, it needs very minimal repairs (paint, carpet, etc.). Furthermore, I've found a (traditional) buyer who's highly interested in the property and agreed to enter contract with me at $95,000.

I am trying to figure out the best way to bridge the gap between the seller and my buyer.  I know that if the buyer was cash, I'd double close this one and be done.  However, being that the buyer is traditional, I don't think I'll be able to use "same-day" transactional funding.  Should I be persuing a hard-money option for the 30 days or so it will take my buyer to close?  Obviously I could just assign my PA with the seller, but then I'd have to disclose the assignment fee, which I'm not inclined to do in this case for obvious reasons.

Can somebody here offer some advice on what'd they'd do / have done in a situation like this?  I'm also in need of a lender who is in between the "same-day" and "hard-money" areas and would be willing to lend to bridge this gap, either local or national, if anybody has suggestions.

I'm in Albuquerque, New Mexico if that's relevant...

Thanks for any advice!! :)

Isaac