Arizona Investment Property Loans

Arizona, and the Phoenix metro in particular, is a high volume investor market with fast transaction timelines. It is also a market where the pace itself is the risk, because deals move quickly enough that investors commit before the numbers are properly checked.

Speed is the competitive requirement

Well priced properties in Phoenix move fast and sellers weight certainty of close heavily. This is the classic case for bridge financing or a hard money loan, where a five to ten business day close wins the property against a buyer waiting on conventional underwriting.

The discipline that matters is having your ARV and your renovation budget worked out before you are under contract, because there will not be time afterwards.

Non judicial foreclosure through deeds of trust

Arizona uses deeds of trust with a non judicial foreclosure process and a comparatively fast timeline. As in Texas and Georgia, shorter and more predictable recovery periods generally support competitive terms.

New construction and lot supply

Arizona has sustained ground up construction activity, and the constraint is usually entitlement and permitting timelines rather than capital. Municipal review periods vary widely across the Phoenix metro. Build the specific jurisdiction timeline into your loan term rather than assuming a generic twelve months, because extension fees on a construction loan are expensive.

Cooling costs belong in your model

Summer cooling costs are a genuine operating expense in Arizona and they affect the holding cost line on a flip. A property sitting unsold through July and August costs more to carry here than the same property would in a temperate market.

Loan programs available in Arizona

We are most active in Phoenix, Tucson, Mesa, Scottsdale and Chandler, and we lend throughout the state. Loan sizes run from $100,000 to $25 million with approval decisions typically inside 72 hours.

Other state guides are on the where we lend page.

Frequently asked questions