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. 620+ credit. Close in 5-10 days.
Check My Phoenix Rate →The stock is post-war ranches across the city, mid-century stock in the central corridor, and large-scale new construction on the West Valley and Pinal County fringe. Ranch flips in Maryvale, South Phoenix, Sunnyslope and Alhambra. HVAC, roof and pool condition are standard scope; the market moves fast enough that ARV timing matters.
Arizona is non-judicial with a fast trustee sale. Phoenix has drawn sustained in-migration and semiconductor investment that pushed basis up faster than rents in the core; the West Valley and Pinal County price differently. Tempe carries a dense student and young-professional base around ASU; Scottsdale runs at a higher basis with stronger STR demand where the HOA permits. Summer cooling costs and roof condition under the sun are the recurring inspection items.
Also see: Tucson, AZ →Las Vegas, NV →DSCR Loans in Phoenix →
Fix & Flip loans in Phoenix qualify based on the deal itself — purchase price, rehab budget, after-repair value (ARV) and your flip experience — 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.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Phoenix metro including Scottsdale, Mesa, Chandler, Gilbert, and Glendale.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
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%+.
From our loan records, all products. Borrower names and addresses withheld.
Source: LendingStreet loan records (Pipedrive), September 30, 2026. Borrower names and property addresses withheld; loan amounts shown as recorded. Terms are set by the capital source and vary by borrower, property and program.
How the numbers work: see what 90% of purchase plus 100% of rehab means in cash, or estimate your ARV in the ARV calculator.
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.
The minimum credit score is 620. Stronger credit improves leverage and pricing.
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.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
We finance flips across the full Phoenix metro, including Tempe, Mesa, Scottsdale, Chandler, Gilbert and Glendale. The submarkets are not interchangeable:
Tempe sits at the center of the metro around Arizona State University and carries a dense student and young-professional rental base; Mesa and Chandler bring newer suburban stock; Scottsdale runs at a higher basis with stronger short-term rental demand where the HOA permits it. Arizona is non-judicial with a fast trustee sale. Summer cooling costs and roof condition under the sun are the recurring inspection items.
Whichever submarket the property sits in, the loan is underwritten the same way — run it in the ARV and cash-to-close calculator with the actual local purchase, rehab and ARV figures first.
No credit pull. No commitment. Speak with a licensed financing company with direct access to 30+ capital sources.
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By clicking, you provide express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone, or email, possibly using automated technology, regarding your loan inquiry. Reply STOP to opt out. Consent is not required to obtain services. See our Privacy Policy and Terms.