When a BPO Beats an Appraisal in Hard Money Lending
When a BPO Beats an Appraisal in Hard Money Lending…
Ambition Lending — Hard Money Lender
Arizona’s real estate market moves fast — from Phoenix to Scottsdale to Tucson. Ambition Lending funds fix & flip, bridge, DSCR, and new construction loans across Arizona with closings in as little as 5 days.
Hard Money Loans done right
Competitive rates, flexible terms, and deal-first underwriting designed for Arizona real estate investors.
About Us
Arizona’s fix & flip market is one of the fastest-moving in the US. Phoenix, Scottsdale, and Tempe see consistent investor demand, and Ambition Lending keeps pace. We underwrite the deal — your property, numbers, and exit — not your life story. Single point of contact, transparent fees, clear draw schedules.
Sydney Kibuuka
Founder & CEO
Our Loan Programs
Fast, Flexible, and Common-Sense Hard Money 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.
Close fast on acquisitions or refinance while you line up take-out. 75%LTV • 6–24 mo • No DSCR/Debt-to-Income (DTI) required
Light-to-heavy value-add, with rehab draws.
Case-by-case with draws.
Spec builds and infill; staged draws; interest-only. Case-by-case with draws.
Select markets; quick closings for shovel-ready plays.
Why Choose Us
HOW OUR PROCESS WORKS
Our Loan Products
Testimonials
Ambition funded my Phoenix flip in 5 days. Competing buyers were still waiting on bank approvals when I was already under contract. Cleared $58,000 net.
Jason Rivera,
Phoenix, AZ
I’ve done 11 flips with Ambition Lending across Scottsdale and Mesa. They’ve never missed a close date and the draw process is the fastest I’ve seen.
Carla Nguyen,
Scottsdale, AZ
First-time flipper in Tucson. Ambition didn’t care about my lack of experience — they cared about the numbers. Walked away with $34,000 profit on my first deal.
Mike Torres,
Tucson, AZ
“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
“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
“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
Blog & News
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FAQs
As fast as 3 days with a complete file
Yes, but we underwrite the asset and exit first.
Purchase contract, rehab budget/scope, comps, entity docs, ID, experience (if any).
From 8-12% and 2-4 points; final terms depend on deal, leverage, and experience.
Yes; up to [X]% of ARV (subject to appraisal/valuation).
Milestone-based; request → inspect → approve → fund.
Any prepayment penalties? — [Policy].
Yes, with solid scope, comps, and exit.
CALIFORNIA
ARIZONA
TEXAS
FLORIDA
MARYLAND
We fund real estate investments with clear terms, fast closings, and no surprises.
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