Close in 10 Days. 90% LTC.
Phoenix real estate investors: fast hard money financing for fix and flip projects. Up to 90% of purchase price, 100% of rehab costs. No W-2. 660+ credit. Close in 5-10 days.
Check My Phoenix Rate →Fix & Flip loans in Phoenix qualify based on the property's rental income, not your W-2 or tax returns. Up to 90% LTC + 100% rehab financing, 6-18 month terms, close in 5-10 days, interest-only during rehab.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
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 fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
We also fund investments throughout the greater Phoenix metro including Scottsdale, Mesa, Chandler, Gilbert, and Glendale.
Accurate ARV is critical. Phoenix submarkets like Arcadia have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Phoenix rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Phoenix — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Phoenix averages 30-60 days. Build a 6-month exit buffer.
First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Phoenix fix and flip closings happen in 5-10 business days. Experienced borrowers can close in 5-7 days.
First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.
Most programs require 660+ FICO. Stronger programs start at 680-700.
Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.
Fix and flip loans in Phoenix range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Phoenix fix and flip loans allow LLC borrowing with a personal guarantee.
Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.
No credit pull. No commitment. Speak with a licensed financing firm with direct access to 30+ capital sources.
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