A. Nowadays you can do almost everything online, so is finding hard money loans.
You can try Visiolending.com, it offers mortgage loans designed to meet the needs of investors purchasing investment properties. Its process is fast, simple, and dependent only on the property itself, it doesn't require your income verification, credit check, etc. Its rates are comparable to any hard money loans you can find.
Of course if you have a whole life policy with sizable cash value, its collateral feature also enables you to use the cash value as a collateral and use the money easily, while the actual cash value still enjoys the return as expected, not affected by such borrowings.