Hard money isn't really a good fit. Those are loans by private lenders, usually for short terms (6mos - 2 years) at high interest rates with upfront points. Rehabbers often use these sources of financing because credit isn't usually a prerequisite or put at risk. The property is the collateral.
However, you might be able to tap into private funds. A little known VERY rich source of financing is private money from people's retirement accounts. There are a lot of funds in IRAs that can be rolled into self-directed IRAs that are with an IRA custodian that handles nontraditional investments like real estate, private placements, LLCs/LPs, tax liens, annuities, etc.
If you can offer someone with an IRA that is getting poor stock market returns a good return over a timeframe you can both agree upon, they would be more likely to consider the loan you are talking about than a large bank.
Now, how do you find those people? Good question. You might have to tap into a RE investing club, find a real estate agent or note broker that finds these types of deals. Try auctioning this off on eNoteWorld.com or contacting Pensco Trust Co or Equity Trust Company (www.trustetc.com
) who are IRA custodians for these types of accounts.