 type of deal. So the bottom line is a hard money lender should be able to walk you right through this. This should not be a problem. I've seen people do it many times. You just got to find the guy that thinks that your numbers are right. And I would think that a hard money lender is going to feel pretty comfortable about a property that's worth $275,000 that you only owe $144,000 on. I can't see hardly any hard money lender balking at that kind of an equity position.