They would not be offering you a hard money loan (loan based on the hard asset) and instead they are lending to you as a traditional lender with private money.

you refused to answer her and sent me a private message where you asked me to take down her posts. 

I have heard of cabin / mountain market STR operators doing some kind of hiking package, or way to connect a guest to a private tour guide for an "upcharge" which gives the hike tour guide an income and the STR operator a nice upcharge too. 

This provided a substantial return on the initial investment and freed up capital for future projects.Financial Highlights•Acquisition Price: $72,000•Renovation Costs: $35,600•Total Investment: $107,600•Funds: raised from personal savings and private lender•Appraised Value: $160,700•Monthly Rent: $2,150•Cash-Out Refinance: $3,200 after paying off private lender and myself•Rate and Term Refinance: 30 yr amortization, 7.25% interest, 70% LTV•DSCR: 1.45%Here's the breakdown of rental income and expense analysis:1.Annual Gross Income: $25,800 (Monthly rent of $2,150 x 12)2.Annual Expenses: $25,800 * 0.40 = $10,3203.Annual NOI: $25,800 - $10,320 = $15,4804.Annual Debt Service: $10,680 (Calculated previously using a mortgage calculator with a loan of $131,775, 7.25% interest, and a 30-year term)5.DSCR: $15,480 / $10,680 = 1.45 (approximately)With a 40% expense ratio, the DSCR is approximately 1.45.

I am also a lender, with Chase Bank, but want to expand my knowledge on hard money and private financing options.

When people bring up Subject To (very risky) and private money it's usually because they have seen a lot of scaling content.

You can also message me if this is an option you're seriously considering and I'm happy to chat with you about BiggerPocket's private community for syndication investors called PassivePockets.

Typically, the initial upfront for the rehab is either cash or a high interest loan (hard money or private). 

Further, you can ask any student I have individually or privately coached, and I am sure they will agree that I have done nothing but championed for their success.  

We use private investors and offer them 20% APR, with 10% return guaranteed, paid as a balloon.