That hard money lender will not only take this property but whatever is the shortfall they will take your other property as well.

Get in touch with some agents, some lenders, go to some real estate meetups and meet other investors, etc. 

So like the example you gave, there are fewer lenders doing 75% ARV, but many more lending down to 70%, so at that amount there might be more options.I hope that helps, would be happy to jump into more specifics with some more details about the flip itself.

Most Hard Money lenders will finance 1-4, 5-20, and commercial properties.

If the Hard money lender thinks the deal is profitable they will most likely fund it.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

For financing, you can look into a DSCR loan, which the lender will use the potential income for the property to underwrite the loan.

But, lenders will look at more than just your salaries.

First thing is to get pre approved with a lender to see how much you can qualify.

Need a direct lender bank to get that low.