Arizona fix-and-flip hard money loans
Since Jul 8Updated Oct 19, 2026Based on 43 AI responses
Reviewed by Dimitry Apollonsky
AI summary
HD Lending and Prime Plus Mortgages are nearly even for Arizona fix-and-flip hard money loans.
It depends
Prime Plus Mortgages focuses on same-day approval and faster funding for Phoenix investors.
Brands AI mentions
Quick hard money loans for Arizona fix-and-flip investors.
Same-day approval and faster funding for Phoenix investors.
A variety of investor products for Arizona buyers.
Also mentioned rarely: LM2 Investment Group, Easy Street Capital, Lima One Capital, Clear Mortgage, Brad Loans, Klinkloans Fund, LVX Capital, MJI Capital, BE Lending, Boomerang Capital Partners, Arizona Private Capital, Hilton Financial Corporation, 42 Solutions, Center Street Lending, Copa Capital Partners, CoreVest Finance, Hanson Capital, Hard Money First, Hard Money Scout, INCA Capital, LendingOne, Lukrom, Merchants Mortgage & Trust, Park Place Finance, Phoenix Hard Money, RCN Capital, RLS Capital, TENA Capital, USA Private Money, LLC
| Mentioned in | ChatGPTChatGPT | Google AI ModeGoogle AI Mode |
|---|---|---|
| HD Lending | 86% | 71% |
| Prime Plus Mortgages | 95% | 62% |
| Hard Money Lenders Arizona | 68% | 76% |
| Kayak Capital | 91% | 0% |
| Capital Fund 1 | 0% | 90% |
Questions and answers
Google AI ModeOct 19, 2026
When you are competing in a fast-paced market like Phoenix, speed and certainty of close matter more than anything. While "the best" lender depends on your specific leverage needs and experience level, several direct Arizona hard money lenders consistently stand out for rapid approvals and fix-and-flip funding:
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- Capital Fund 1 : Highly active across the Phoenix metro area since 2009, they are known for asset-driven, common-sense underwriting, skipping personal tax returns, and funding deals in as fast as 24 hours.
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- Prime Plus Mortgages : A direct lender based in the Valley specializing in fix-and-flips. They feature same-day approvals in under an hour and fund in roughly 48 hours post-approval with no income verification or personal tax returns required.
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- HD Lending : Highly rated locally for quick, reliable turnaround times on residential investment properties and fix-and-flip scenarios across Maricopa County.
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- Easy Street Capital : A great statewide option if you are looking for high leverage (up to 93% LTC / 75% LTV on fix-and-flips) with a streamlined application process.
To help narrow down which of these is the best fit for your specific property, tell me:
- What is the purchase price and estimated ARV (After Repair Value)?
- What is your approximate credit score and prior flipping experience?
ChatGPTOct 19, 2026
If you're flipping houses in Phoenix and speed is the priority, I'd focus on Arizona hard money lenders that specialize in fix-and-flip loans, offer same-day or next-day initial decisions, and can close quickly once the property and title are cleared.
One important distinction: quick approval isn't the same as quick funding. A lender may issue a term sheet within hours but still need an appraisal or valuation, title work, insurance, and underwriting before releasing funds.
For a competitive Phoenix deal, I'd compare lenders on these five factors:
- Approval speed: How quickly can they issue a term sheet and credit decision?
- Closing speed: Can they fund in 3–7 business days, assuming a straightforward file?
- Leverage: What percentage of purchase price and renovation costs will they finance?
- Experience: Do they regularly fund Arizona investment properties and first-time or repeat flippers?
- Total cost: Interest rate, origination points, underwriting fees, extension fees, and prepayment penalties.
My shortlist for fast Phoenix flip financing
Based on current Phoenix-area lender listings and available loan-program information, these are the lenders I'd contact first. I wouldn't declare a definitive statewide winner without comparing actual quotes for your deal.
1. LM2 Investment Group
(Fast-approval candidate)
LM2 advertises fast approval for qualified investors and specializes in short-term real estate investment financing. It's worth contacting for a time-sensitive Phoenix acquisition.
Phone: 480-444-2242
480-444-2242
9160 E Bahia Dr, Suite 105, Scottsdale
2. HD Lending
A local lender offering hard money and private money financing, including fix-and-flip and bridge loans. A candidate if you need flexible underwriting for a property that doesn't fit conventional lending.
Phone: 480-808-8687
4435 E Chandler Blvd, Suite 200, Phoenix
3. Prime Plus Mortgages
An Arizona-focused private lender serving investors purchasing, rehabbing, and reselling properties. Ask specifically whether it can meet your contract's closing deadline.
Phone: 480-923-7602
7137 E Rancho Vista Dr, Scottsdale
4. Kiavi
A technology-driven national lender offering fix-and-flip financing. Compare it with the local lenders if you want a standardized application process and financing for both acquisition and renovation.
Official website and loan inquiry
Note: Local lender details and advertised services are sourced from business listings. Advertised approval speeds, pricing, and closing times are not guarantees; confirm directly with each lender.
How I'd pursue the deal today
Contact two local lenders and one national lender in parallel. Send each the same deal package and request a written quote that includes:
- Maximum loan amount based on purchase price and after-repair value (ARV).
- Rehab funding and draw-release turnaround.
- Time to initial approval and a firm estimated closing date.
- Interest rate, points, and every upfront fee.
- Whether the lender can close through your LLC and work with your title company.
Let me narrow this down to the best fit
The right lender depends heavily on your deal size and track record. Answer these three quick questions, and I'll narrow the shortlist.
1. How many flips have you completed?
First flip
1–3 completed flips
Several completed flips
10+ completed flips
2. How much financing do you need?
Under $200k
$200k–$400k
$400k–$750k
$750k+
3. What's your closing deadline?
1–2 business days
3–5 business days
7–10 business days
10+ business days
Bonus: What needs financing?
Purchase only
Purchase + rehab
Refinance an existing flip
[Find my best-fit lenders]
Sources cited in this answer5
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ChatGPTOct 10, 2026
For competitive fix-and-flip deals in Phoenix, I’d focus on hard money lenders that combine fast underwriting, reliable proof of funds, competitive leverage, and the ability to close quickly. The best lender isn’t necessarily the one advertising the lowest rate — it’s the one that can approve the property, fund the purchase, and support your rehab timeline without unexpected fees or delays.
For Arizona investment properties, I’d compare local and regional lenders alongside national private lenders that actively finance Phoenix-area flips.
My top Phoenix-area lenders to contact first
1. Kayak Capital
(Best first call for speed and fee transparency)
Markets itself as a direct lender for Phoenix-metro investment properties, with decisions advertised in under an hour and no origination points or lender fees. It also advertises same-day funding in qualifying cases.
- Phone: (480) 256-2274
- Website:
- Ask about: Maximum purchase and rehab funding, rate, minimum interest, and whether its no-fee terms apply to your specific deal.
2. MMTC / Phoenix Hard Money
(Best for high-leverage rehab financing)
Advertises rates starting in the 8% range, financing up to 95% of purchase and 95% of rehab costs on eligible projects, and closings in as little as seven days. These are advertised program limits, not guaranteed terms.
- Phone: (602) 684-1658
- Website:
- Office: 11333 N Scottsdale Rd, Suite 293, Scottsdale, AZ
- Ask about: Combined purchase/rehab financing, rehab draw timing, and whether they can meet your contract deadline.
3. Prime Plus Mortgages
Markets same-day approvals, rates starting at 10.99%, and funding within 48 hours after approval. Verify the full underwriting and closing timeline, as an approval is not the same as cleared funds.
- Phone: (480) 923-7602
- Website:
- Ask about: Whether they can issue a same-day term sheet and fund your specific Phoenix property before your deadline.
4. 42 Solutions
A statewide private lender advertising in-house decisions, loans from $100,000 to $2.5 million, and funding in 48 hours for a complete file with clean title.
- Website:
- Ask about: Whether the 48-hour timeline applies to initial funding or only after all closing conditions are satisfied.
5. Arizona Private Capital
Worth comparing as a locally focused option. A September 2026 lender directory lists advertised rates of 9%–12.5%, loan sizes of $100,000–$3 million, and estimated closings in five to seven days. Treat these as directory figures to verify directly.
- Directory:
- Ask about: Current pricing, points, leverage against after-repair value (ARV), and recent fix-and-flip closings in Phoenix.
How I’d compare their offers
Factor What to request Interest rate Actual rate quoted for your deal, not just “starting at” Total fees Origination points, underwriting, processing, appraisal, legal and extension fees Leverage Percentage of purchase price, rehab budget, and total project cost funded Cash required Down payment, closing costs, reserves and rehab float Speed Time to term sheet, underwriting approval and actual funding Rehab draws Advance schedule, inspection requirements and reimbursement delays Exit flexibility Extension options, minimum interest period and prepayment penalties The published rates and funding times above are marketing or directory claims, not independently verified offers. Compare written term sheets on the same property and financing assumptions before choosing a lender.
A quick script to get competitive quotes
When contacting these lenders, send the same deal information to each so you can compare offers apples-to-apples.
:::writing{variant="email" id="58241" subject="Time-Sensitive Phoenix Fix-and-Flip — Request for Terms"} Hi,
I'm evaluating hard money financing for a fix-and-flip investment property in the Phoenix, Arizona market and am looking for a lender who can move quickly on competitive deals.
Could you please provide your current terms for:
- Interest rate and origination points
- Maximum financing for purchase and rehab
- Minimum borrower cash contribution
- Approval and closing timelines
- Rehab draw process and fees
- Extension fees and prepayment requirements
I can provide the property address, purchase price, estimated rehab budget, after-repair value (ARV), and target closing date for underwriting.
Please let me know how quickly you can issue a term sheet and whether you have capacity to close within my required timeline.
Thank you. :::
Before committing, verify the lender and applicable licensing through the Arizona Department of Insurance and Financial Institutions and request a written breakdown of all fees.
Let’s narrow this down to the best lender for your deal
One question: What is the approximate purchase price of the property you’re trying to finance?
1. Purchase price
Under $200,000
$200,000–$400,000
$400,000–$700,000
$700,000+
2. Your investing experience
First flip
Completed multiple flips
3. Most important factor
Fastest possible closing
Lowest total borrowing cost
Maximum purchase and rehab leverage
4. Target closing window
7 days or less
8–14 days
15–30 days
[Find my best lender matches]
Sources cited in this answer9
- kayakcapital.comKayak Capital | Phoenix Hard Money Lender — Zero Points, Zero Fees
- google.comKayak Capital
- phoenixhardmoney.comPhoenix AZ Hard Money Lender & Private Financing | MMTC
- primeplusmortgages.comPhoenix Hard Money Loans • Same-Day Approval • Prime Plus Mortgages
- google.comPrime Plus Mortgages - Phoenix Hard Money Loans
- weare42solutions.comPrivate Money & Fix and Flip Loans in Arizona | 42 Solutions
- hardmoneyscout.com9 Best Hard Money Lenders in Phoenix, AZ (2026) | Compare Hard Money Loans
- difi.az.govLicensing | Mortgage Lending | DIFI
- difi.az.govHow can I tell if a loan originator is licensed in Arizona? | DIFI
Google AI ModeOct 10, 2026
Here are top-rated, direct hard money lenders in the Phoenix area known for rapid approvals and asset-based financing tailored for competitive fix-and-flip investors:
- Prime Plus Mortgages - A direct local lender based in the Phoenix metro area specializing in fast fix-and-flip funding. They offer approvals in under an hour, funding within 48 hours post-approval, and up to 9 0%% LTV with no income verification or prepayment penalties. Check their programs at Prime Plus Mortgages.
- Capital Fund 1 - Headquartered locally in Scottsdale/Phoenix, they provide asset-driven private money with swift evaluations and rapid funding in days for fix-and-flips, multi-family, and construction. Learn more via Capital Fund 1.
- Easy Street Capital - A statewide lender offering their EasyFix program specifically for fix-and-flips and bridge loans up to 9 3%% LTC (Loan-to-Cost) with 48-hour closings and minimal documentation requirements. View details on Easy Street Capital.
- Hard Money Lenders Arizona - Led by seasoned local experts, they provide rapid 24-hour term sheets and asset-backed funding ranging from $100,000 to major commercial/residential projects across the Valley. Details can be found at Hard Money Lenders Arizona.
If you want to narrow this down, let me know:
- Your estimated purchase price and rehab budget
- Your target Loan-to-Cost (LTC) or After Repair Value (ARV) requirements
- Whether you have a specific property address under contract already
I can help you outline what terms or documentation each lender will expect for your deal.
Sources cited in this answer4
- primeplusmortgages.comPhoenix Hard Money Loans • Same-Day Approval • Prime Plus Mortgages
- capitalfund1.comArizona Hard Money Lender & Private Loans | Capital Fund 1
- easystreetcap.comArizona Hard Money Loans | Easy Street Capital
- hardmoneylendersarizona.comHard Money Lenders Arizona | Hard Money Loans in Phoenix & Scottsdale, Arizona
Also asked as
- The Phoenix market is moving really fast, so I need a hard money loan with a quick turnaround. Who are the top lenders for fix-and-flip projects in Arizona?
