However I call one of them explained my situation, currently starting, getting to know the value and look for lenders, however his answer was not what i expected, he let me know they are looking for investors with money so they can help them...So I was wondering If you have any advise/opinion/comment on;Would the fist step  be get to know to what financing amount I have access to, based on my employment and credit score?

Can anyone offer some advice on private money lending?

STR's are uncertain due to the term length, one month you can make all the money in the world, and the next you could be paying for those bills out of pocket, so it would have to be strategically operated, but at the same time they can be a fantastic source of income!

Here’s the REALITYWhile I compliment you on your ambition and drive, lenders want the borrower to have their own cash in the deal, not borrowed money for down payment.  

Which leads to the funding...I've used hard money for flips but this is too rural for their underwriting guidelines.

I recommend Total Money Makeover by Dave Ramsey and consider taking his class Financial Peace University. 

That I could take some of my inheritance and savings, around $400K total tied up in investments with TD Waterhouse, and using a portion of it to invest in a rental property(s)Currently without a job and hesitant to return to a similar situation, I'm at a crossroads.

You're smart to focus on properties that appreciate because that is where the real money is in real estate IME. 

It is a bit secretive where the money goes that way.  

Hello-New to hard money but not to rentals, I own 5 doors that I have funded myself but want to keep some reserves so looking into hard money for my next deal and will refinance into a conventional loan to keep the property.Are these typical hard money terms or is this too much?