This is probably a dumb question but have you read Rich Dad Poor Dad - by Robert Kiyosaki?

Unlike a traditional bank loan, a hard money lender usually loans you money based on the quality of the deal, your experience, and not your credit score.Best of luck!

Most of the time they end up with an asset manager who then works with an REO agent to list the property on the market and sell it through traditional channels. 

I keep buying properties and keep getting rich though while everyone else is waiting for a "deal."

You might have to reach out to a non-traditional lender for a portfolio product if you can't qualify.

If the traditional STR markets aren't taking this (Foremost & Proper), I would suggest connecting with an independent agent and they can try the following,1)  Try and find a carrier who can pair the high risk property with your Home and Auto policy.   2)  Find a policy with a Lloyds of London type insurance carrier3)  State back insurance - Each state has a Property insurance fund as a resource if the public can not find coverage. 

It's easier to go the traditional vacant refinance route in my opinion.

I can buy the house traditionally if they have no way around their problem. 

@Trevor Carlson - Yeah, if you are using traditional financing (FHA, Conventional, VA) and are applying for the loan as a primary residence (not an investment property) one of the stipulations of most all lenders is that you take occupancy within 60 days.

Of course you also have "Rich Dad Poor Dad" and the other Robert Kiyosaki books.Hope this helps!