condo purchase

I'm trying to buy a $99,000 condo putting down $65,000 and doing hard money for the balance. I've been told I can't do hard money because I have the homestead exemption is that true and if so would it be possible to relinquish the homestead here in Florida? What would I lose if anything if I live in the condo for a 2 year period and then sell it?? Very confused about this hard money concept, it seems like the only way I can make this happen with my past history. Someone please advise..

Richard King