Buying From FSBO- All Cash Same As Mtg?

I have a basic question when dealing with FSBOs and you tell them something like whats the least you can take if I can pay you in full in 30-45 days>...now if this person gives you a good discount, your options then to get the money is....
Get a mtg?
Get a loan?
hard money loan? (who are hard money lenders exactly)
thats all I got so far.

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