If I am reading your post correctly, you have the money to do a cash offer and are willing to pay cash if necessary, but are reserving the right to get a hard money loan to close the deal. If this true, you will need an appraisal for the loan, in which case you would at the very least have an appraisal contingency. You could however make an offer without a loan contingency provided you are prepared to close the deal with cash.
We just structured a deal for someone yesterday who had cash, wanted a loan, but hadn't been approved yet. No loan contingency, but with an appraisal contingency (even with cash it's a good idea to get some sense of value from an appraisal),
Assuming you are prepared to pay cash, putting your offer in without a loan contingency will make your offer stronger, but in my view you should have an appraisal either way.
Lance King/Owner-Managing Broker