Jessica Hoodnice work... 203k are work but very much worth it for those that are credit worthy and responsible savers.

Many however have nothing available at all, especially for out of country inquiries.I would probably require a cosigner or guarantor in this case since they cannot prove their credit worthiness on their own.  

The buyer's personal credit worthiness is often a major factor in obtaining financing as these are often acquired as the buyer's personal property (not recommended).Commercial MF is evaluated entirely on it's ability to produce income. 

Credit worthiness is nice but really loaning on the property vs. the person although I require a personal guarantee.

If you can't verify someone's identity, credit worthiness, or other risk factors, then that's a legitimate reason to deny their application.2.

With a hard money loan do you still have to provide a down payment, or is it just a lump sum that’s not connected to a property and just based on your credit worthiness?

Alternatives;If you have a decent job (I assume this means you're a credit worthy borrower), decent cash in reserve, no debt etc. obtaining a (civilian) traditional loan isn't out of the realm of possibilities.

Some HMLs/private lenders don't have credit score requirements.This makes sense as your credit score is a good indicator of long-term creditworthiness, but in the short term (like the typical term length of a hard money loan) factors like liquidity are more predictive of timely repayment.Best,Michael

Will this be enough “credit worthiness” to qualify for loans/mortgages?

Any lender is going to be looking back at your and your credit worthiness when applying for credit cards and lines of credit.