It's probably going to mean paying points at closing, a high rate, and a serious pre-payment penalty (like 5 years). 

I'd highly recommend attending some local reia meetings.

Some hard money lenders lend at pretty high LTVs, leaving little equity buffer to protect your principal.

Many experienced mentors in this group can help guide you in the right direction.I highly recommend saving as much as possible and setting aside a hedge fund for financial security.

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This is mostly because they can't provide the high level of service that Buyers deserve and for now Sellers are still generally paying. 

Hard money loans can be an option, but they often come with high-interest rates and short repayment terms.

If you are using it to buy a turnkey property which needs to produce cash flow to be considered a viable deal how does buying turnkey(Little to no cash flow) combined with HML(High interest only debt) make alot of sense financially? 

Despite the fact that the market has dropped significantly both in rent and price, I still think the market should be considered high risk/high reward.