Milestone-based; request → inspect → approve → fund. Any prepayment penalties? — [Policy].

Ambition Lending — Hard Money Lender

Florida Hard Money Lender | Close in 5 Days | Ambition Lending

Florida’s real estate market spans Miami, Orlando, Tampa, Jacksonville, and beyond. Ambition Lending funds fix & flip, bridge, DSCR, and new construction loans across Florida with fast closings and no red tape.

Trusted by Florida Real Estate Investors Since 2020

$280M+ funded in Florida
820+ Florida investors served
Average close: 5 days

Numbers current as of 2025.

Hard Money Loans done right

Fast Funding, Satisfaction Guaranteed

Competitive rates, flexible terms, and deal-first underwriting designed for Florida real estate investors.

About Us

Hard Money, Minus the Headaches

Florida’s combination of strong rental demand, tourism-driven short-term rental markets, and consistent population growth makes it one of the best states for real estate investment. Ambition Lending funds Florida investors from Miami to the Panhandle.

Sydney Kibuuka

Founder & CEO

Our Loan Programs

Hard Money Loans

Fast, Flexible, and Common-Sense Hard Money Loans

Fix & Flip Loans

Loans to acquire and renovate residential properties to eventually sell
Up to 90% of purchase, up to 100% of rehab; interest-only; 6–18 months.

Bridge Loans

Close fast on acquisitions or refinance while you line up take-out. 75%LTV • 6–24 mo • No DSCR/Debt-to-Income (DTI) required

Multifamily Bridge

Light-to-heavy value-add, with rehab draws.
Case-by-case with draws.

New Construction

Spec builds and infill; staged draws; interest-only. Case-by-case with draws.

Land & Entitlements

Select markets; quick closings for shovel-ready plays.

Years of Experience

0 +

Approval Success

0 %

Homes Financed

0 K

Why Choose Us

The Best Choice for Florida Investors

Fast

Term sheet in 24 hours; closes as fast as 5 days on complete Florida files.

Flexible

Asset-based underwriting; first-time Florida investors considered.

Transparent

Rate, points, and fees disclosed up front — no surprises at closing.

Hands-On

Dedicated Florida loan advisor from application through close.

HOW OUR PROCESS WORKS

AS EASY AS 1, 2, 3

1) Submit the Deal

Property address, rehab budget, and exit strategy. Takes 5 minutes.

2) Get Your Term Sheet

Clear term sheet within 24 hours — rate, points, fees disclosed upfront.

3) Close & Build

Dedicated draw team; fast fund releases tied to inspection.

4) Exit Cleanly

Sell for profit or refinance into a long-term DSCR rental loan.

Our Loan Products

FEATURED LOANS

FIX & FLIP LOANS

DSCR LOAN (Rental loans)

1-10 units

Multifamily Bridge Loan

Ground-Up Construction Loan

Testimonials

What Florida Investors Say

Fix & Flip Investor

Ambition moved fast on my Miami opportunity and gave me a clear path from acquisition to exit. That speed made the deal possible.

Isabella Rodriguez,

Miami, FL

First-Time Investor

I’ve worked with a lot of lenders in Tampa and Ambition stands out for responsiveness. They kept the file moving and closed without surprises.

Brian Thompson,

Tampa, FL

Bridge Loan Client

For my Orlando project, Ambition focused on the deal fundamentals and funded quickly. It felt built for investors, not bureaucrats.

Keisha Brown,

Orlando, FL

Rental Portfolio Builder

“We’ve scaled from 2 rentals to 14 doors in just over a year, thanks to Ambition’s DSCR loans. They understood our cash-flow model and made the process painless compared to banks.”

Priya Patel,

Orlando, FL

New Construction Builder

“Traditional lenders wouldn’t touch our small infill project. Ambition not only funded it but set up a clear draw schedule that kept our subs paid on time. We broke ground within 3 weeks of our first call.”

James O’Connor,

Denver, CO

Repeat Borrower

“This is my fourth loan with Ambition. Every time, they’ve delivered exactly what they promised: fast funding, clear terms, and no surprises at closing.”

Elena Rodriguez

Los Angeles, CA