Phoenix real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 660+ credit. LLC borrowing. Close in 10 days.
Check My Phoenix Rate →Phoenix recovered from the 2008 crash stronger than any major US metro. TSMC's $40B semiconductor fab in North Phoenix, Intel expansion, and massive retiree migration keep demand at all ends of the market. Scottsdale and Paradise Valley serve the luxury STR market; Mesa and Glendale offer cash-flow rentals.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
We also fund investments throughout the greater Phoenix metro including Scottsdale, Mesa, Chandler, Gilbert, and Glendale.
Phoenix rental properties typically need a DSCR of 1.10x to 1.25x to qualify. Higher DSCR unlocks better pricing. Properties in Scottsdale often qualify easily on gross rent alone.
Phoenix markets favor SFR, 2-4 unit multifamily, and small apartment buildings. Some lenders impose condo restrictions. STRs require DSCR programs that accept projected revenue.
All LendingStreet DSCR programs in Phoenix allow LLC borrowing with personal guarantees. Standard for asset protection.
Phoenix's 4.5% YoY appreciation makes cash-out refinancing attractive. Typical caps: 70-75% LTV. Use equity to acquire more Phoenix properties.
Yes. DSCR loans qualify based on the Phoenix rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Phoenix DSCR programs require a minimum 660 credit score. Some programs allow 640 with compensating factors.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Phoenix rental yields average 6.1% making 1.20x achievable in most submarkets.
Yes. LendingStreet DSCR loans in Phoenix allow borrowing in an LLC with a personal guarantee.
Phoenix DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Phoenix areas have STR restrictions — verify local rules.
Standard DSCR loans in Phoenix go up to $5M. Jumbo DSCR programs extend to $10M+ for qualified borrowers.
Yes. Rate-and-term refis and cash-out refis are available on Phoenix rentals. Cash-out caps at 70-75% LTV.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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