I worked for a local brokerage a few years ago and they have always specialized in Hard Money loans and Private money loans as well. I speak to him weekly and I send all my non conventional clients to him. Most hard money lenders will not do Owner Occupant loans but he has several lenders and investors who do. I spoke to him this morning about the same situation. His name is Paul Urbanski at Avail Mortgage, please tell him Kevin Reeves referred you to him. His phone number is 813-404-8077.
He also has subprime loans which could be a better option as well.