Private Lenders or Hard Money Lenders?!

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So, I’m still in the researching phase of my wholesale journey. I bought a book and a host of DVDs from @MarkFlipsHouses (on instagram) and one thing he mentions a lot is not needing any money or excellent credit to embark on this journey. I’ve read that the danger in hard money lenders is that their interest rates are so high, and private money lenders have lower rates but would prefer you have a good credit score. Is this true? What’s the lowest they usually accept? My credit isn’t awful it also isn’t great because my credit history is so “young” all I have is student loans. My fiancé and I are planning on doing this as a partnership, he has excellent credit. Could we use him for actually getting the loans and I just complete other parts of the process? I’m trying to build my “dream team” as Mark puts it in his book, and having lenders is part of it.