I sat with my advisor and concluded that I was interested in subprime lending in minority community.  

Do private lenders ever lend at 6% or less?

I've heard of some banks willing to lend for repairs as well as 80% of the home.

I had gotten into the financing side, first in residential and earned my AMB, or "Accredited Mortgage Banker" and then went into Commercial lending, eventually opening my own firm with my wife specializing in dealing with investors - we provided management, coaching and financing solutions specifically for investors and investment properties.

Could I get a hard money lender to lend half of the loan to the seller, if she doesn't want to do seller financing?

Go meet with someone at a local firm with "Lending" or "Mortgage" or "Funding" in the company name (that right there tells you their #1 priority isn't "open another checking account" or "establish an ATM machine location" at an institutional level), that lives and lends in the community they serve.

I am an Investor/Broker that actively buys and sells properties and also lend nationwide.

What will work will depend on the deal, your personal financial situation and the market for lending at the time you need the loan.

The State of Texas is getting more aggressive about unlicensed lending over the last two years.

FYI, I don't know who you network with, but if you are looking to make a profit, you have a better chance being a bank and lending the money out as a hard money or private.With that ask and rent, there is no deal on the table, regardless of what appreciation could be one day.