Don't confuse the part time agents by using words like "hard money" :) Not sure why agents answer loan questions anyway. I guess to get their points for answering a question.
I have spoken to three different local lenders in the past 30 days and gotten generally positive responses to the question you have asked at 20% or more down (15% if it is a Fannie foreclosure) assuming that the borrower is credit worthy and the property will appraise.
Since I am not a bank, and I don't know the property or the client, I think it would be inappropriate for me to quote terms in a public space. But if you would like to discuss in private, I'll tell you what I have heard and give you contacts at banks to confirm.