Close in 10 Days. 90% LTC.
Tucson 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 Tucson Rate →The stock is mid-century ranches across the city, historic adobe and territorial stock near downtown and the university, a dense student rental base, and newer construction in Marana and Oro Valley. Mid-century ranch flips in Midvale Park and Flowing Wells, and historic adobe rehab near downtown. Roof, HVAC and evaporative-to-refrigerated conversion are standard scope.
Arizona is non-judicial with a fast trustee sale. Tucson runs at a materially lower basis than Phoenix with a university and defense tenant base. Historic-district rules apply in Sam Hughes, Armory Park and Barrio Viejo. Summer cooling costs and roof condition are the recurring inspection items; monsoon flooding affects specific washes.
Insurability at resale is the exit risk in Tucson. If the roof, openings or elevation make the property hard to insure, the ARV you underwrote may not be the price you clear.
Also see: Phoenix, AZ →Las Vegas, NV →DSCR Loans in Tucson →
Fix & Flip loans in Tucson 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.
Tucson is home to U of Arizona (45,000+ students), Raytheon Missile Systems, Davis-Monthan Air Force Base, and a growing aerospace and defense industry. Lower entry prices than Phoenix with better yields. University neighborhoods deliver reliable student rental demand; eastside and Oro Valley attract professionals and retirees.
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 Tucson metro including Oro Valley, Marana, Vail, Sahuarita, and Green Valley.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Accurate ARV is critical. Tucson submarkets like Sam Hughes have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Tucson rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Tucson — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Tucson 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 Tucson 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 Tucson range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Tucson 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.
Only if the scope addresses what carriers price — roof age, openings, elevation. Confirm before you close; it is the exit.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
No credit pull. No commitment. Speak with a licensed financing company with direct access to 30+ capital sources.
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