The lender may figure if the borrower had this kind of money they’d be making the mortgage payments. 

Any recommendations for hard money lenders?

Quote from @Charles Evans: You are actually behind the 8-ball on this.

I actually started my own blog to break down the latest market news in a way that’s easy to understand and actionable.I pull my information from a few solid sources, including:•Florida Realtors (floridarealtors.org) – Great for statewide updates, trends, and legislative changes.

The last few years have been great for investors/homebuyers who bought pre-con, but looking back to the few years after the 2014/15 boom, this wasn't the case, where many had actually committed to buying a property that wasn't quite worth what they signed up for closer to closing because the appraisal weren't matching the contract price, requiring a cash top-up.

Things like this are why it's important to work with a professional who is well versed in real estate taxation because the "common/simple" strategies taught frequently like BRRR or house hacking actually get fairly complicated when it comes to handling it correctly. 

You’ll get a better return over the long-term by putting your money in the stock market.

I am from there and am actually moving back.

Manage the entire P&L for your clients as if it's your own money.4.

Run credit and background checks, actually call the listed referrals, and ask for bank statements.