© WHERE WE LEND PHOENIX · AZ
HARD MONEY LENDERS PHOENIX
Bridge, fix and flip, construction and DSCR loans for Phoenix investors in Mesa, Chandler, Gilbert, Tempe and across the metro, from a lender with Arizona as a home market.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Arizona is one of Loan Goat's two home markets, and Phoenix is the centre of it. We lend across the metro on non-owner occupied property: Phoenix itself and the Arcadia area, Mesa, Chandler, Gilbert and Tempe to the east, Glendale and Peoria to the west, and Goodyear further out. The deals we see run from single-family flips and build-to-rent infill to small multifamily, furnished rentals and the commercial buildings along the metro's arterials.
Every Loan Goat program runs in Phoenix at the published terms: the bridge loan from 9.00% to 13.00%, up to 75% LTV on residential and 70% on commercial and up to $25,000,000, fix and flip from 9.99% with up to 85% of the purchase and 100% of the rehab and first time flippers allowed, ground-up construction up to 80% LTC on 12 to 18 month terms with flexible draws, the rental DSCR loan from 6.50% up to 80% LTV on 30 and 40 year fixed terms, and commercial loans from 7.90% up to 70% LTV. Loans are underwritten and closed from the San Diego office by the team that answers (619) 617-2797.
© THE COST PHOENIX · AZ
WHAT DO PHOENIX HARD MONEY LOANS COST
A Phoenix hard money loan costs interest, origination points and third-party closing costs. The starting rates and maximum leverage in the table are the ones on Loan Goat's program pages; points and fees are quoted on the Letter of Intent, because they depend on the loan size, the leverage and the property.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
The bridge, fix and flip, construction and rental DSCR loans carry no prepayment penalty, so a Phoenix flip that sells early stops paying interest early, and rehab and construction interest is non-Dutch, charged on the drawn balance only. A file with a matured loan or a notice of default is read on the property and the exit, with a 650 minimum score on bridge.
© WHY LOAN GOAT PHOENIX · AZ
WHY LOAN GOAT IN PHOENIX
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Phoenix investors have no shortage of lenders; what is scarce is a lender that treats Arizona as a home market rather than an afterthought. Loan Goat does: Arizona and California are the two markets the company was built on, and the team has closed 1.3K+ loans since 2022, funded $1.5B+ across 46 states, and earned a 5.0 Google rating with 150+ reviews. The four-step process closes in 5-7 days because processing is done in-house.
The range is the second reason. A Mesa flip becomes a DSCR rental at the end of the rehab, a Gilbert or Chandler build-to-rent project runs on the construction program and refinances on the rental portfolio loan once five or more units are stabilized, a Tempe furnished rental qualifies on its own income, and a Glendale or Peoria commercial building goes on the commercial programs. One lender, every stage of the plan.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
© LOAN SCENARIOS PHOENIX · AZ
MOST COMMON PHOENIX LOAN SCENARIOS
- 1031 EXCHANGE Exchange buyers replacing a sold property with a Phoenix acquisition bridge the purchase inside the deadline and refinance afterward.
- AUCTION & HUBZU Online auction wins across the metro close on a bridge or fix and flip loan approved before the bid.
- BANKRUPTCY BUYOUT Investors exiting a bankruptcy with equity in a Phoenix rental need business-purpose capital that looks at the asset first.
- BANK STATEMENT LOANS Self-employed Phoenix buyers qualify on 12-24 months of bank statements on Non-QM loans from $200,000 to $10,000,000, with no tax returns or W2s required.
- FORECLOSURE AUCTION Trustee's sale buyers line up proof of funds and a hard money bridge that closes in as quickly as 3 days.
- FOREIGN NATIONAL Buyers without U.S. credit can use the DSCR program for metro rentals, where DTI is not calculated and large deposits do not need to be sourced.
- NON-WARRANTABLE CONDOS Condo buildings that fail conventional review are permitted on the rental DSCR loan.
- SELF-EMPLOYED Business owners borrow on the property for investments and on bank statements or a P&L for the home.
- VACATION RENTAL Furnished rentals in Phoenix, Tempe and the surrounding cities qualify on the DSCR loan with short term rental income permitted.
- CASH OFFERS ONLY Cash-only listings across the metro close on a hard money bridge with no appraisal needed in some cases.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN PHOENIX
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up and build-to-rent projects for builders with 2 previous ground-up projects: up to 80% LTC, 12 to 18 month terms, flexible draws. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS DSCR loans from 6.50%, up to 80% LTV on 5, 7, 30 and 40 year fixed terms; portfolio loans for 5+ properties. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES PHOENIX · AZ
PROPERTY TYPES WE FINANCE IN PHOENIX
- MULTI-FAMILY Duplexes to apartment communities across Phoenix, Mesa and Tempe on bridge, DSCR, portfolio and commercial programs.
- MIXED-USE Retail-over-residential buildings on the metro's commercial streets, up to 70% LTV.
- RETAIL Strip centers and free-standing retail with a repositioning or refinance plan.
- OFFICE Medical office and small office buildings, including cash-out to renovate.
- INDUSTRIAL & WAREHOUSE Warehouse and flex space across the metro, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning bridged to an SBA or conventional exit.
- SELF-STORAGE Storage facilities bridged through lease-up or to the next acquisition.
© THE APPROACH PHOENIX · AZ
HOW WE LEND IN PHOENIX
The comparison table is the operating rulebook: high leverage, speed to close, reliable capital, low-doc requirements, in-house processes, lower rates where the deal earns them. When banks say no, we say yes; when a Phoenix deal does not pencil, we say so before the appraisal is ordered.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
PHOENIX BORROWERS, IN THEIR WORDS
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I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
ERIC MANLUNAS -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
I recently completed a bridge cash-out refinance from a private lender through Loan Goat and I cannot say enough good things about the experience. As a borrower in New York - one of the most attorney-heavy and regulation-intensive states - the...
ERIC MANLUNAS -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA
© QUESTIONS PHOENIX · AZ
PHOENIX HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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The whole metro. The cities we see most are Phoenix and Arcadia, Mesa, Chandler, Gilbert, Tempe, Glendale, Peoria and Goodyear. Scottsdale and Tucson have their own pages. Loans are underwritten and closed from the Loan Goat office in San Diego.
Hard money lender Arizona -
Yes. Ground-up construction runs up to 80% LTC on 12 to 18 month terms with flexible draws for builders with 2 previous ground-up projects; once the homes are rented, the rental portfolio loan consolidates 5+ properties into one loan, and the DSCR loan covers a single rental up to 80% LTV.
Construction loans -
Non-owner occupied residential (SFR, condo and townhome, 2-4 units) on the bridge, fix and flip, construction and DSCR programs; multifamily, mixed-use, retail, office, industrial, hospitality and self-storage on the commercial and hard money commercial bridge programs. Owner-occupied homes follow the VA and bank statement programs.
Property types we finance -
Rates run from 9.00% to 13.00% on the bridge loan, 9.99% to 12.00% on fix and flip, 6.50% to 9.99% on the Non-QM rental loan and from 7.90% on commercial for qualified borrowers, and construction is priced per project; points and closing costs are quoted on the Letter of Intent. Rates are subject to change and are not a commitment to lend.
Read the pricing guide -
The standard is 5-7 days from application to funding; the hard money residential and commercial bridge loans can close in as quickly as 3 days. Title and the appraisal, where one is required, set the pace.
How borrowing works -
Credit is one input. The bridge loan floor is 650, fix and flip is 620 and ground-up construction is 600, and the file is underwritten on the property and the exit rather than on the score alone.
Bridge loan requirements -
Yes, on every loan, read alongside the property, the equity and the exit rather than as a gate.
Borrower FAQ -
Owner-occupied loans are consumer loans with their own rules and licensing. The VA Elite and VA IRRRL programs serve veterans on a primary residence, and the interest-only bridge states owner occupied OK; availability in Arizona is confirmed on your file. Tell us how the property will be used.
Owner occupied loans -
Request a quote on this page, apply online, or call (619) 617-2797 with the address, the price or value, the loan amount and the exit.
Apply now
© WHERE WE LEND PHOENIX · AZ
PHOENIX, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE PHOENIX · AZ
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(619) 617-2797
