Know of an efficient way to identify hard money lenders that will solely focus on an 80K loan against a property purchased at $256K with me bringing the rest of money to the closing table?

What are you bringing to the table. 

That means you need to bring another 40k to the table at the refi cause you'll have a bridge loan of 240k to payoff.Now you'll own a 320k house with 80k equity in it making 150 cash/month.You wanna look for better deal spreads. 

The seller never brought funds to the table.

It does not take too many months of missing out on a savings of 514 to realize that PPP was HUGELY expense in actual 16,000 or savings you had to leave on the table. 

The light colored walls will make the place seem bigger, and the accent walls will break it up and make the place feel more warm.For Kitchen, you could never go wrong with White cabinets.

This would be able to move us in, and we would use that 100k as part of the 180k that would be required at the closing table for the assumption.

I approached them because I had a promising deal on the table but needed fast funding without complications.

A lot of people decide to bring/raise investor money to the table as a foot in the door, but I also think there is options to be more creative and do the same thing.

I know that I am not the first one to make a post like this so I understand how bringing value to the table can differentiate me from someone else in a similar situation.