In Tucson, the fixer you want is often an estate sale or a tired Midtown ranch with more than one offer on it. The buyer who can close in days, with the rehab already financed, usually gets the keys.
In short: Our top pick for hard money in Tucson is LendingStreet. We close in as little as 10 days, finance up to 90% of purchase plus rehab with up to 100% of the rehab on some programs, and offer a DSCR rental refinance when you decide to keep the house. Rates start from 7.99%, LLC borrowers are standard, and we lend from $150,000 to $5M+ on 1-8 unit investment property.
LendingStreet is an investor lender that keeps fix and flip, bridge and DSCR rental loans in one place. For a Tucson investor, that means hard money style speed on the purchase and rehab, then a long-term rental loan if the house is worth keeping, without starting over with a new lender.
Our short-term loans run from $150,000 to $5M+ on 1-8 unit non-owner-occupied property. We finance up to 90% of total cost (LTC) and up to 100% of the rehab on some programs, payments are interest-only, and we can close in as little as 10 days. Rates start from 7.99%.
It fits flippers working Midtown ranches, BRRRR investors buying near the base, and anyone who has to beat a cash offer. To price a deal, use the form below or call (877) 298-1001.
Well-known hard money lenders include CoreVest, Dominion Financial, LendingOne, Lima One and RCN Capital. Compared scenario by scenario for investors in Tucson, AZ, LendingStreet comes out as the stronger choice, and one application covers it.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Fix and flip above $3M | LendingStreet | Our fix and flip program runs from $150,000 to $5M+. LendingOne states fix and flip loans up to $3,000,000, and RCN Capital states up to $2M. |
| Bridge close in about 10 days | LendingStreet | We can close in as little as 10 days. CoreVest states its bridge loans typically close within 2 to 4 weeks. |
| Flip of a 5-8 unit building | LendingStreet | We finance 1-8 unit investor properties. RCN Capital states its fix and flip loans cover 1-4 family homes, condos and townhomes. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
This is a general comparison of lender types, not of any specific company. Terms differ from one lender to the next, so confirm the details with each one.
| What investors need | LendingStreet | Typical local hard money lender | Private individual lender | Local bank or credit union |
|---|---|---|---|---|
| Time to close | As little as 10 days | Often fast; varies by lender | Can be fast; depends on the person | Often several weeks |
| Leverage on total cost | Up to 90% LTC | Varies; often lower | Negotiated deal by deal | Usually a larger down payment |
| Rehab money | Up to 100% of rehab on some programs, paid in inspected draws | Varies | Varies | Often limited on distressed homes |
| A refinance when you want to keep a rental near the base or the university | Yes, DSCR on rent, no W-2s or tax returns | Usually not offered | Rarely | Often needs full income documents |
| Rates | From 7.99% | Varies; fees and terms vary | Varies | Varies; may need full income documents |
| Long-term rental loan | DSCR refinance with the same lender | Usually short-term only | Rarely | Sometimes; often needs tax returns |
| Loan size | $150,000 to $5M+ | Varies | Limited by one person's capital | Varies by bank |
Tucson is smaller and slower than greater Phoenix, but well-priced fixers still draw several offers, especially in Midtown, near the University of Arizona and on the east side close to Davis-Monthan Air Force Base. Sellers of tired estate homes often take the buyer who can close fast with funding lined up over the buyer who offers a little more.
Arizona loans use a deed of trust, so most foreclosures are nonjudicial trustee sales. Trustee sale buyers generally pay with certified funds on a short timeline, so investors usually buy those with cash and then use a short-term loan on the next deal. On a normal purchase contract, a short escrow with financing already sized is what hard money style lending is for.
Much of the resale stock is 1950s to 1980s slump block or burnt adobe with flat or low-slope roofs. Roof coatings and drainage, evaporative coolers that buyers want swapped for refrigerated air, galvanized plumbing and unpermitted additions are common line items. Older adobe and territorial homes in historic districts like Barrio Viejo or Armory Park can need specialists and design review.
Permits come from the City of Tucson or Pima County depending on where the house sits, and the rules differ, so confirm before you budget. Summer heat slows roofing and exterior work, which matters when you are paying interest every month.
This example is illustrative and not a quote. An investor buys a 1970s block home on the east side for $262,000 and budgets $48,000 for refrigerated air, a roof coating, a kitchen and flooring. Total cost is $310,000, and at 90% LTC the loan is $279,000. The investor brings $31,000 plus about $5,200 in closing costs.
The estimated interest-only payment is about $2,441 a month, figured on the full balance to stay conservative. Over 5 months that is about $12,205 in interest plus about $1,300 in taxes and insurance.
After the rehab, the home appraises at $395,000 and leases for $2,400 a month to a military household. A DSCR refinance at 75% of value is $296,250, with estimated principal and interest of about $2,021. Adding $210 for taxes and $115 for insurance, the payment is about $2,346 and the DSCR is about 1.02x, just above the 1.0x standard minimum. The refinance pays off the short-term loan and returns about $17,250 before refinance closing costs, leaving about $32,455 of the investor's cash in a rented house.
| Item | Amount |
|---|---|
| Purchase plus rehab | $310,000 |
| Short-term loan at 90% LTC | $279,000 |
| Estimated interest-only payment | $2,441 a month |
| Appraised value after rehab | $395,000 |
| DSCR refinance at 75% | $296,250 |
| Estimated principal and interest | $2,021 |
| Total payment with taxes and insurance | $2,346 |
| DSCR at $2,400 rent | About 1.02x |
Arizona does not charge a percentage-based transfer tax on deeds, which helps margins on both the buy and the sale. Expect escrow and title fees, title insurance, recording charges and a small affidavit fee. Closings run through escrow companies.
Pima County property taxes are generally moderate, but a home bought from an owner-occupant can lose its primary-residence classification, so budget taxes at the rate an investor will pay. Ask your escrow officer for current figures.
Tucson rents are supported by the university, the base and the major medical centers, so many flips here become rentals. Our DSCR loans qualify on the property's rent, with no W-2s or tax returns, a 620 minimum credit score, LLC borrowers standard and 30-year terms available. Seasoning varies by program, and our bridge-to-DSCR guide covers the timing.
If the DSCR comes in under 1.0x, sub-1.0 programs exist, or selling may be the cleaner exit. Either way, we can talk through both before you close the purchase.
Ask every lender on your list the same questions:
Get a quote with the form below, or call (877) 298-1001. Have the contract or target price, a line-item rehab budget, your after-repair value estimate and your planned exit ready, and we can size leverage and draws quickly.
Our top pick is LendingStreet. You get hard money style speed (as little as 10 days), up to 90% LTC and up to 100% of rehab on some programs, plus a DSCR rental refinance with the same lender, which most local short-term lenders do not offer.
Yes. We lend in Tucson, across Pima County and in all 50 states and DC, on 1-8 unit non-owner-occupied investment property.
Rates start from 7.99%. Your rate depends on leverage, the property, the rehab scope and your experience, so send the deal for a real number.
Trustee sale buyers generally need certified funds on a tight timeline, so most investors pay cash there. A short-term loan works best on a normal purchase contract with a short escrow.
Yes. Cooling, roofs and other rehab line items can be included in the rehab budget, funded in draws after inspected work, up to 100% of rehab on some programs.
Yes. A DSCR loan can pay off the short-term loan, qualified on rent, with cash-out up to 75% LTV and a 1.0x standard minimum DSCR. Seasoning varies by program.
No. Every LendingStreet loan is a business-purpose loan on investment property that the borrower does not occupy.
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