Google hard money lenders and private money lenders and the name of the city where the property is located.  

I was able to finally purchase the list but obtaining owner’s information is difficult here where I am (CA).

Check out FilePlace, where user-created forms are available for free.

Where to find these agents?? 

Thanks for the response, I assumed a primary residence mortgage would have the most favorable interest rate so that’s where my question was coming from.

Multifamily properties, like duplexes, can be particularly appealing because they allow you to live in one unit and rent out the other, which helps with covering the mortgage while also generating income.Another option is to invest out-of-state in markets where property prices are more reasonable but still offer great cash flow.

Mini-splits are typically a bit more expensive but are super helpful in tighter situations or in areas where you want to keep demo to a very minimum.  

You know this but how you negotiate the deal is listening to your seller and seeing where you can take the price. 

  So these are not the homes on HUD site where they list their homes for sale? 

Where are you located?