Tucson's large bridge deals come from both ends of the valley. In the Catalina Foothills and Oro Valley, one home can pass $1M. Across midtown and the suburbs, a $3M loan more often covers a group of houses and fourplexes that an owner wants to refinance, sell or reorganize on a deadline.
In short: LendingStreet provides residential investor bridge loans in Tucson from $1M to $5M+, within a program range of $150,000 to $5M+, with rates from 7.99% and closings in as little as 10 days. Loans are short-term and interest-only on 1 to 8 unit property, and larger balances usually need a full valuation. The exit is a sale or a refinance into a blanket, DSCR or jumbo DSCR loan.
Typical requests in the Tucson market include:
Many Tucson investors financed groups of rentals with private lenders or short-term bank loans that eventually mature. When that happens, refinancing every property individually takes time, and some may be better sold. A bridge pays off the maturing loan in one closing and buys time to sell the weaker properties and refinance the rest.
Package purchases work the same way in reverse. A seller who wants one buyer and a fast close often accepts a lower price, and a bridge lets you meet that timeline.
In both cases, the bridge term is a chance to reshape the group. Owners often sell scattered or lower-performing houses, keep a tighter set in neighborhoods they know, and finish deferred work on roofs and cooling before the long-term lender sees the properties. That work usually shows up in the exit appraisal and the insurance quote.
This example is illustrative and not a quote. An investor owns nine homes and two fourplexes worth about $3,600,000. A private loan on the group is maturing. A bridge loan of $2,400,000 pays it off, with an estimated interest-only payment of about $20,000 a month.
During the bridge term, the investor sells three homes for about $1,200,000 and puts about $1,116,000 toward the bridge after selling costs, leaving about $1,284,000. The remaining six homes and two fourplexes, worth about $2,400,000, are refinanced into a blanket DSCR loan for that balance. Estimated principal and interest is about $8,759 a month. Taxes of $1,700 and insurance of $1,150 bring the total to about $11,609. Rent of $20,900 gives a DSCR of about 1.80x.
| Step | Amount |
|---|---|
| Portfolio value | $3,600,000 |
| Bridge loan | $2,400,000 |
| Estimated monthly interest-only payment | $20,000 |
| Gross sale of 3 homes | $1,200,000 |
| Net applied to bridge | $1,116,000 |
| Blanket refinance on 8 remaining properties | $1,284,000 |
| Exit DSCR | 1.80x |
A Foothills or Tanque Verde home bought with a large bridge can exit into a jumbo DSCR loan if the rent supports it, and Arizona's moderate property taxes help compared with high-tax states. Still, rents on luxury homes are often low relative to price, so long-term rent alone may not clear 1.0x at normal leverage. Some investors in this segment use furnished seasonal rentals aimed at winter visitors, and others plan a sale exit. Run the jumbo numbers before you rely on that exit.
Sale exits in the Foothills and Oro Valley tend to be strongest in the cooler months, when buyers relocating from colder states are in town. Listing in July can mean a longer wait. Build the bridge term so you are not forced to sell into the slow season.
Larger balances usually need a full valuation, and portfolios need one per property. Tucson values vary widely between a south-side ranch and a Foothills view home, so the lender will look at each property individually. Pool condition, roof age, cooling systems and any casitas without permits all show up in the appraisal.
Allow time for valuations on occupied properties. Appraisers need access to each unit, and a package of a dozen homes and fourplexes can take more than a week to schedule. Starting early keeps the 10-day possibility alive for smaller files and keeps larger ones on track.
Arizona does not levy a real estate transfer tax, which helps when the plan involves selling some properties during the bridge term. Title, escrow and recording costs still apply, and Arizona closings are typically handled through an escrow company. Arizona requires residential rentals to be registered with the county assessor, and the long-term lender will want to see that each property is registered and that leases are current.
Larger balances get more review, and the file reads more like a business plan than a single-house loan. Expect questions about your portfolio size, property management, past bridge loans and liquidity. LLC borrowers are standard, and you sign for the loan personally.
If you are buying a package for the first time, a track record with smaller Tucson rentals, an experienced local property manager and reserves beyond the down payment all help. Tell us your experience up front so the structure fits.
Send the property list or address, purchase contract or payoff letter, rent roll and exit plan through the form below, or call (877) 298-1001. A spreadsheet with each address, unit count, rent, lease end date, roof age and condition notes speeds up the first review. Our Arizona large bridge page covers Phoenix and Scottsdale deals too.
Yes. Residential investor bridge loans run from $150,000 to $5M+, and larger balances are reviewed case by case.
Rates start from 7.99%. Pricing depends on leverage, experience, the properties and the exit.
Larger balances usually need a full valuation, typically on each property in a package.
Yes. That is one of the most common uses in Tucson. Send the payoff letter and maturity date early so valuations can be scheduled in time.
Possibly, if the rent supports it. Luxury rents are often low relative to price, so run the numbers first.
Yes. Bridge loans are short-term and interest-only.
As little as 10 days on some files, though large packages usually take longer because each property needs a valuation and access to occupied units.
Buildings of up to 8 units are residential, which covers most midtown fourplexes and small courtyard buildings. Larger ones are covered on our commercial pages.
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