Fast, Flexible Capital for Residential Real Estate Deals
In real estate, timing determines profit.
Whether you’re flipping a single-family home, renovating a duplex, or buying a rental, speed to funding can make or break your deal.
That’s where residential hard money loans shine.
These short-term, asset-based loans help investors acquire, renovate, and profit from residential properties without the red tape of traditional banks.
At Ambition Lending, we specialize in funding residential investment projects nationwide — empowering investors to act fast and scale confidently.
What Is a Residential Hard Money Loan?
A residential hard money loan is a short-term loan secured by residential real estate — typically 1–4 unit properties — used for investment purposes like:
- Fix & Flip projects
- Bridge financing between purchases
- Rental property acquisitions
- Refinancing underperforming assets
These loans focus on the property’s value, not your income or credit.
That means approvals in days, not months.
How Residential Hard Money Loans Work
Here’s the basic flow:
- Identify a Property — Find a single-family or small multifamily deal.
- Submit a Loan Request — Provide purchase price, rehab budget, and ARV.
- Get Approved Fast — We focus on property value, not FICO scores.
- Close & Renovate — Use draws for construction or updates.
- Sell or Refinance — Exit profitably within 6–18 months.
Because hard money loans are short-term and asset-based, they provide unmatched flexibility and speed.
Typical Loan Terms for Residential Hard Money
| Term | Range | Description |
|---|---|---|
| Loan-to-Value (LTV) | Up to 75% of ARV | Based on property’s future repaired value |
| Interest Rate | 9–12% | Depends on borrower experience & market |
| Loan Term | 6–18 months | Short-term, interest-only |
| Closing Time | 3–7 days | Compared to 30–60 days at banks |
| Collateral | Real property | 1–4 unit residential |
At Ambition Lending, we design terms that support profitability — not red tape.
Benefits of Residential Hard Money Loans
- Fast Funding: Approvals in 24–48 hours, closings in under a week.
- Credit-Flexible: Approvals based on deal strength, not credit.
- ARV-Based Leverage: Borrow against the property’s future value.
- Ideal for Investors: Designed for short-term projects and quick exits.
- Freedom to Scale: Use returns from one project to fund the next.
These loans are built for investors who move quickly and think strategically.
Example: Fix & Flip in Los Angeles
Purchase Price: $420,000
Rehab Budget: $80,000
After Repair Value (ARV): $630,000
Ambition Lending funds 70% of ARV = $441,000.
The investor sells the property for $625,000 after five months.
Even after loan interest and closing costs, net profit exceeds $60,000 — achieved in less than half a year.
When to Use Residential Hard Money
Use hard money when:
- You need to close before competitors
- Your deal is value-add or distressed
- You’re waiting for long-term financing to come through
- You want to maximize leverage for quick scale
Hard money fills the gap between opportunity and execution.
Types of Properties Funded
- Single-family homes (SFR)
- Duplexes, triplexes, and fourplexes
- Small multifamily (up to 8 units)
- Condos or townhomes (case-by-case)
- Short-term rentals (Airbnb / vacation homes)
We lend on both urban and suburban residential properties across Florida, Texas, Arizona, California, and Maryland.
Why Choose Ambition Lending for Residential Hard Money
✅ Fast Approvals & Closings — typically within 3–7 days.
✅ Flexible LTV up to 75% ARV — based on experience & deal strength.
✅ Nationwide Reach — from coastal states to emerging metros.
✅ Simple Process — minimal documentation, maximum efficiency.
✅ Repeat Borrower Benefits — loyalty discounts & higher leverage.
Ambition Lending isn’t just a lender — we’re your growth partner.
Final Thoughts
Residential hard money loans aren’t just financing — they’re a strategic advantage.
They give you speed, control, and leverage in competitive markets.
If you’re ready to accelerate your next residential investment, Ambition Lending can help you move from contract to closing — fast.
👉 Apply for Residential Hard Money Financing Today
Close in Days, Not Weeks — Powered by Ambition Lending.
