Arizona investors who need $1M or more in short-term money usually need it on a deadline: a package of Valley rentals from a retiring landlord, a Scottsdale purchase with a firm close date, or a loan that matures before the leases are signed. The lender you pick should be able to fund that size quickly and also carry you into the long-term loan.
In short: Our top pick for large bridge loans in Arizona is LendingStreet. We fund residential investor bridge loans on 1-8 unit properties from $150,000 to $5M+, with this page focused on $1M and up, and we can close in as little as 10 days. Rates start from 7.99%. Because we also offer DSCR, jumbo DSCR and blanket portfolio loans, the exit can be planned with the same team before you close the bridge. Get a quote with the form below or call (877) 298-1001.
LendingStreet is built for investors, and our bridge loans are business-purpose loans on non-owner-occupied 1-8 unit property. For Arizona, that covers single-family rentals across Maricopa and Pima counties, small multi-unit buildings near the universities in Tempe, Tucson and Flagstaff, and higher-value homes in Scottsdale and Paradise Valley.
These loans are short-term and interest-only, so the monthly cost stays predictable while you buy, stabilize or reposition. Balances above $1M get a closer review, and larger balances usually need a full valuation, so we order that early to protect your timeline. Larger requests are reviewed case by case.
The next step is simple: send the address or property list, the price, your plan and your exit. Use the form below or call (877) 298-1001.
If you are weighing CoreVest, Dominion Financial, Lima One and Roc Capital for a large bridge loan for investors in Arizona, this is the short version: LendingStreet wins the scenarios below, and you can get a quote with the form below.
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 |
|---|---|---|
| Bridge loan above $3M | LendingStreet | Our bridge program runs from $150,000 to $5M+. CoreVest states single-asset bridge loans from $75K to $2M+, and Roc Capital states stabilized bridge loans up to $3,000,000. |
| 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. |
| 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. |
Arizona investors usually weigh a few kinds of short-term lenders. Each has a place, but on large, time-sensitive investor bridge loans the differences show up fast. Here is a fair, general comparison.
| What investors need | LendingStreet | Typical local bank | Typical local hard money lender |
|---|---|---|---|
| Balances of $1M to $5M+ | Yes; larger balances reviewed case by case | Limited by in-house limits; varies | Often smaller balances; varies |
| Closing speed | As little as 10 days | Often several weeks | Often fast |
| How you qualify | Business-purpose review of the deal and exit | Often tax returns and personal income | Asset-focused; varies |
| Long-term exit | DSCR, jumbo DSCR or blanket refinance | Separate application; varies | Usually short-term only |
| Where they lend | All 50 states and DC | Usually a local footprint | Often regional |
In the Phoenix area, larger bridge requests often come from rental packages. A landlord who bought homes in Glendale, Mesa, Goodyear or the far West Valley a decade ago may want to sell five or ten at once, and a buyer who can close fast often gets the better price.
High-value purchases are the other big use. Scottsdale, Paradise Valley, Arcadia and North Central Phoenix homes can need cosmetic updates before they rent well, and a bridge loan covers the gap between purchase and lease-up. Arizona trustee sales and other auction purchases usually have short payment windows, so talk to us before you bid about how a bridge can replace your cash soon after.
Arizona does not charge a state real estate transfer tax, so closing costs are mostly title, escrow and recording fees. Property taxes are lower than in many states, but rentals do not receive the homeowner benefits that a primary residence gets, so use the investor tax figure from the county assessor, not the seller's bill.
Summer heat makes HVAC and roof condition a real underwriting item, and some Valley homes sit in HOAs with leasing rules. Many Arizona cities also require short-term rental permits and a tax license, so if nightly rentals are part of your exit, confirm the city rules first. Check every local item with the county and city before you commit.
This example is illustrative and not a quote. An investor agrees to buy six single-family rentals in the West Valley for $2,100,000 and needs to close in about two weeks. A bridge loan of $1,575,000 funds the purchase, and the investor brings $525,000 plus closing costs.
The estimated interest-only payment on the bridge is about $12,797 a month. Over a nine-month hold, that is about $115,172 of carrying cost, which belongs in the plan from day one.
After light updates, the six homes lease for $2,050 each, or $12,300 a month. The investor refinances all six into one blanket portfolio loan of $1,575,000. Estimated principal and interest is about $10,479, and taxes of $1,050 plus insurance of $600 bring the total payment to about $12,129. DSCR is about 1.01x, just above the 1.0x standard minimum.
| Item | Amount |
|---|---|
| Purchase price, 6 homes | $2,100,000 |
| Bridge loan | $1,575,000 |
| Estimated interest-only payment | $12,797 |
| Monthly rent after lease-up | $12,300 |
| Exit loan principal and interest | $10,479 |
| Taxes and insurance | $1,650 |
| Total exit payment | $12,129 |
| DSCR on the exit | About 1.01x |
A bridge loan is only as good as its exit. In Arizona, most large bridge loans end one of two ways: the property sells, or it refinances into long-term financing. Our bridge-to-DSCR guide walks through the steps, and you can run rents on the DSCR calculator before you commit.
If the exit is a refinance, test the rent against the full payment, including investor taxes, insurance and any HOA dues. For five or more rentals, a blanket loan can replace the bridge with one closing and one payment.
Ask every lender the same questions so you can compare them on equal terms. Then hold the answers up against your timeline.
Leverage on large balances varies by program, and we will tell you the number for your file up front. Our DSCR exits use a 1.0x standard minimum, with sub-1.0 programs available. Refinance seasoning varies by program. LLC borrowers are standard. We can close in as little as 10 days, and balances above $5M are reviewed case by case.
If that fits your Arizona deal, get a quote with the form below or call (877) 298-1001 to talk it through.
Our top pick is LendingStreet. We fund $1M to $5M+ investor bridge loans on 1-8 unit property, can close in as little as 10 days with rates from 7.99%, and plan your DSCR, jumbo DSCR or blanket exit before closing.
Yes. We lend statewide in Arizona, including Phoenix, Scottsdale, Mesa, Chandler, Tucson, Flagstaff and Prescott, and in all 50 states and DC.
Yes. Packages are a common use. After lease-up, five or more rentals can move into one blanket portfolio loan.
Larger balances usually need a full valuation. We order it early so it does not slow the closing.
Arizona does not charge a state real estate transfer tax. You will still pay title, escrow and recording costs, so confirm totals with your title company.
Often, yes. Auction terms usually require fast payment, so many investors buy with cash and then use a bridge loan to free that cash. Call us before you bid.
Possibly. Some DSCR programs can qualify on projected short-term rental revenue, but local permits and HOA rules decide whether the property works. Check with the city first.
No. Our bridge loans are business-purpose loans on investment property that the borrower does not occupy.
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