What’s best way to find/approach/acquire funding from a hard money lender when you have never flipped a home?

If it's the only home on the market that you absolutely had to have and you had unlimited funds, go for it. 

Do you have the funds to invest in multifamily?

Do you have a way to fund the repairs? 

I've personally met hedge fund managers that watch the Charlotte market as an indicator for other markets around the country, while not actually investing here.With all that said, it's extremely competitive.

I decided on 10% because buy and hold index fund investing in the US market you can expect about 7%.

This lets you pull out $16.5k if you can find someone to lend you 80% LTV.

You're just calling them 'restricted funds' in a nutshell. 

We used 401k funds to show reserves, and that was sufficient.

Looking for ideas on a Debt investment.I have $20,000 to invest in a debt fund or with partner. 8% + return, 6mo-2yr tie up.Prefer seasoned company with many successful deals to their credit.Non-Accredited, SDIRA acceptable.Thanksps: I am not looking at this time for anymore equity investments