© WHERE WE LEND TUCSON · AZ
HARD MONEY LENDER TUCSON
Bridge, fix and flip, construction and DSCR loans for Tucson investors in Oro Valley, Marana, Sahuarita and the Catalina Foothills, 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
Tucson is the second Arizona metro Loan Goat lends in, and the programs run here at the same published terms as in Phoenix or San Diego. We fund non-owner occupied property across the city and its neighbours: Tucson itself, Oro Valley, the Catalina Foothills, Marana and Sahuarita. Single-family flips, small multifamily, furnished rentals and the commercial buildings that serve the area are the deals we see most.
The terms: the bridge loan from 9.00% to 13.00%, up to 75% LTV and $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, and the rental DSCR loan from 6.50% up to 80% LTV on 30 and 40 year fixed terms. A clean bridge file closes in as quickly as 3 days. Loans are underwritten and closed from the San Diego office by the team that answers (619) 617-2797.
© THE COST TUCSON · AZ
WHAT DO TUCSON HARD MONEY LOANS COST
A Tucson 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, and rehab 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 TUCSON · AZ
WHY LOAN GOAT IN TUCSON
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Arizona is one of Loan Goat's two home markets, and Tucson borrowers get the same process as every other: application, documentation, Letter of Intent, and a close in 5-7 days with processing done in-house. The team has closed 1.3K+ loans since 2022, funded $1.5B+ across 46 states, and holds a 5.0 Google rating with 150+ reviews.
The range is the second reason. An Oro Valley flip becomes a DSCR rental at the end of the rehab, a Marana or Sahuarita build runs on the construction program, a Catalina Foothills furnished rental qualifies on its own income with short term rental income permitted, and a Tucson 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 TUCSON · AZ
MOST COMMON TUCSON LOAN SCENARIOS
- 1031 EXCHANGE Exchange buyers replacing a sold property with a Tucson 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 Tucson rental need business-purpose capital that looks at the asset first.
- BANK STATEMENT LOANS Self-employed Tucson 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 Tucson rentals, where DTI is not calculated.
- 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 Tucson, Oro Valley and the Catalina Foothills qualify on the DSCR loan with short term rental income permitted.
- CASH OFFERS ONLY Cash-only listings across the area close on a hard money bridge with no appraisal needed in some cases.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN TUCSON
- 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 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 TUCSON · AZ
PROPERTY TYPES WE FINANCE IN TUCSON
- MULTI-FAMILY Duplexes to apartment buildings across Tucson on bridge, DSCR and commercial programs.
- MIXED-USE Retail-over-residential buildings in the city'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.
- INDUSTRIAL & WAREHOUSE Warehouse and flex space in Tucson and Marana, purchase, refinance and cash-out.
- HOSPITALITY: HOTEL & MOTEL Motel and boutique hotel repositioning bridged to an SBA or conventional exit.
© THE APPROACH TUCSON · AZ
HOW WE LEND IN TUCSON
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 Tucson deal does not pencil, we say so before the appraisal is ordered.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
TUCSON BORROWERS, IN THEIR WORDS
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The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
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 -
The team at Loan Goat literally saved my life. I was in such a bind and didn't think I had anywhere else to turn. Even with my extensive knowledge in this field I felt I was going to lose everything. The team has insight and plans I never...
ELIJAH SCHOLER -
I referred my friend over to Milad and while they weren't ready to do a fix and flip just yet, Alex told me Milad was the first lender that actually explained the process, how constructions loans work, and answered all their questions. She...
MELANIE SANCHEZ -
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
© QUESTIONS TUCSON · AZ
TUCSON 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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Tucson, Oro Valley, Marana, Sahuarita and the Catalina Foothills. Phoenix and Scottsdale have their own pages. Loans are underwritten and closed from the Loan Goat office in San Diego.
Hard money lender Arizona -
Yes. Arizona is one of Loan Goat's two home markets and every Arizona loan is underwritten and processed from the San Diego office, with title, escrow and any appraisal handled locally. The four-step process and the 5-7 day standard are the same in Tucson as in San Diego.
How borrowing works -
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 and hospitality 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 bridge can close in as quickly as 3 days when title and valuation cooperate.
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 TUCSON · AZ
TUCSON, 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 TUCSON · AZ
SUBMIT A LOAN REQUEST
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(619) 617-2797
