© WHERE WE LEND SCOTTSDALE · AZ
HARD MONEY LENDERS SCOTTSDALE
High-balance bridge, fix and flip and DSCR loans for Scottsdale, Paradise Valley and North Scottsdale investors, 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
Scottsdale is the part of Arizona where loan sizes climb and closing dates do not move. Loan Goat lends across Scottsdale and North Scottsdale, Paradise Valley, Fountain Hills, Cave Creek and Carefree on non-owner occupied property: luxury single-family flips and rebuilds, furnished rentals, small multifamily and the commercial buildings that serve the area. Arizona is one of the company's two home markets; a Scottsdale file is not a special case, it is the rule.
The programs run at the published terms, and the ones that matter most here are the ones built for size. The bridge loan runs from 9.00% to 13.00%, up to 75% LTV on residential and 70% on commercial, on one or two year terms up to $25,000,000, with cross collateralization and earn outs among its structures. Fix and flip runs from 9.99% to 12.00%, up to 85% of the purchase and 100% of the rehab, up to $10,000,000, and the rental DSCR loan from 6.50% up to 80% LTV on 30 and 40 year fixed terms. Loans are underwritten and closed from the San Diego office by the team that answers (619) 617-2797.
© THE COST SCOTTSDALE · AZ
WHAT DO SCOTTSDALE HARD MONEY LOANS COST
A Scottsdale hard money loan costs interest, origination points and third-party closing costs, and on larger loans the points and the leverage cap matter more than the last quarter point of rate. 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 for the deal.
| 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 |
| LARGE BALANCE BRIDGE | 9.00% to 13.00% | LTV 75% residential, 70% commercial | 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 Paradise Valley rebuild that sells ahead of schedule stops paying interest when it closes. Rehab and construction interest is non-Dutch, charged on the drawn balance only, and an interest reserve can carry payments inside the loan while a project produces no income.
© WHY LOAN GOAT SCOTTSDALE · AZ
WHY LOAN GOAT IN SCOTTSDALE
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
A Scottsdale investor needs a lender whose capital is reliable at the size of the deal and whose word on a closing date holds. Loan Goat has closed 1.3K+ loans since 2022, funded $1.5B+ across 46 states, and holds a 5.0 Google rating with 150+ reviews; the four-step process closes in 5-7 days because processing is done in-house, and the hard money bridge products can close in as quickly as 3 days.
The second reason is that the lending is done at the top of the range without changing lenders: a North Scottsdale flip on the fix and flip program, a Fountain Hills or Cave Creek furnished rental on the DSCR loan with short term rental income permitted, a Paradise Valley estate purchase on the bridge loan up to $25,000,000, and a Scottsdale commercial building on the commercial programs at up to 70% LTV.
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 SCOTTSDALE · AZ
MOST COMMON SCOTTSDALE LOAN SCENARIOS
- 1031 EXCHANGE Exchange buyers replacing a sold property with a Scottsdale acquisition bridge the purchase inside the deadline and refinance afterward.
- AUCTION & HUBZU Online auction wins in the area close on a bridge or fix and flip loan approved before the bid.
- BANKRUPTCY BUYOUT Investors exiting a bankruptcy with equity in a Scottsdale rental need business-purpose capital that looks at the asset first.
- BANK STATEMENT LOANS Self-employed 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 who target Scottsdale rentals can use the DSCR program, 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 and accepted as bridge collateral.
- 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 Scottsdale, Paradise Valley, Fountain Hills and Cave Creek qualify on the DSCR loan with short term rental income permitted.
- CASH OFFERS ONLY Cash-only listings, the estate and probate sales that will not take a bank, close on a hard money bridge with no appraisal needed in some cases.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN SCOTTSDALE
- BRIDGE LOANS Bridge from 9.00% to 13.00%, up to 75% LTV on residential and 70% on commercial, on one or two year terms from $150,000 to $25,000,000. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Luxury flips and rebuilds on SFR, condo, townhome and 2-4 units: up to 85% of the purchase and 100% of the rehab, up to $10,000,000, rates from 9.99%. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. 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 SCOTTSDALE · AZ
PROPERTY TYPES WE FINANCE IN SCOTTSDALE
- MULTI-FAMILY Small multifamily to apartment communities across Scottsdale and the neighbouring cities on bridge, DSCR and commercial programs.
- MIXED-USE Retail-over-residential buildings in the area's commercial districts, 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.
- HOSPITALITY: HOTEL & MOTEL Boutique hotel and resort-adjacent hospitality assets bridged to an SBA or conventional exit.
- SELF-STORAGE Storage facilities bridged through lease-up or to the next acquisition.
© THE APPROACH SCOTTSDALE · AZ
HOW WE LEND IN SCOTTSDALE
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 Scottsdale deal does not pencil, we say so before the appraisal is ordered.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
SCOTTSDALE BORROWERS, IN THEIR WORDS
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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 worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
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 worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II
© QUESTIONS SCOTTSDALE · AZ
SCOTTSDALE 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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Scottsdale and North Scottsdale, Paradise Valley, Fountain Hills, Cave Creek and Carefree. Phoenix and Tucson have their own pages. Loans are underwritten and closed from the Loan Goat office in San Diego.
Hard money lender Arizona -
The bridge loan reaches $25,000,000 at up to 75% LTV on residential and 70% on commercial, on one or two year terms with rates from 9.00% to 13.00%, and cross collateralization and earn outs are available as structures.
Bridge loan programs -
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, 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.
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.
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 SCOTTSDALE · AZ
SCOTTSDALE, 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 SCOTTSDALE · AZ
SUBMIT A LOAN REQUEST
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(619) 617-2797
