Hard Money should NEVER be used to buy an owner occupied home, most states do not allow it or place many regulations on it to keep it from happening. hard money is usually used to buy a property, fix it and sell it within say 6 months as hard money is for a short term with substantial points to renew the 6 month to 1 year normal time frame of a loan.
Because of changes in state law--what you are asking has become more difficult if not impossible. Loaning to owner-occupied now has very strict rules. Most investors and hard money lenders do not want to lend under the new rules.