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

Ambition Lending — Hard Money Lender

Maryland Hard Money Lender | Close in 7-10 Days | Ambition Lending

Maryland’s real estate market — from Baltimore to the DC suburbs — rewards investors who can move quickly. Ambition Lending provides hard money loans across Maryland with approvals in 24 hours and closings in 7-10 days.

Trusted by Maryland Real Estate Investors Since 2020

$95M+ funded in Maryland
310+ Maryland investors served
Average close: 7 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 Maryland real estate investors.

About Us

Hard Money, Minus the Headaches

Maryland’s investor market — Baltimore row homes, DC suburb rentals, Annapolis waterfront — requires a lender who understands local asset values. Ambition Lending underwrites Maryland deals with local market knowledge and closes fast.

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

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Approval Success

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Homes Financed

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Why Choose Us

The Best Choice for Maryland Investors

Fast

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

Flexible

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

Transparent

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

Hands-On

Dedicated Maryland 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 Maryland Investors Say

Fix & Flip Investor

Ambition helped me move quickly on a Baltimore row home flip with a tight purchase deadline. The process was straightforward and the close happened on time.

Thomas Washington,

Baltimore, MD

First-Time Investor

For a Bethesda rental acquisition, I needed certainty more than anything. Ambition gave me both speed and clarity from term sheet to closing.

Angela Park,

Bethesda, MD

Bridge Loan Client

I used Ambition on an Annapolis deal that needed fast execution and clean communication. They delivered exactly that.

Chris Evans,

Annapolis, MD

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