Arizona hard money is asset-based bridge capital: decisions hinge on the deal and the exit, not on W-2 income. From Phoenix to Tucson, it funds the deals that need to close before a bank could even order an appraisal.
What Arizona investors use hard money for
- Estate and probate acquisitions in Phoenix that need certainty of funds
- BRRRR starts — acquire and rehab, then exit to Arizona DSCR
- Auction and trustee-sale buys — close on the courthouse timeline, not a 45-day bank clock
- Bridge between purchase and permanent financing or sale
Why speed matters here: Arizona foreclosure is non-judicial — trustee-sale foreclosure runs roughly 90 days from notice. Cash-like certainty wins these deals against slower conventional offers.
Arizona hard money terms (2026)
| Term | Arizona range |
|---|---|
| Leverage | Up to ~90% of purchase + rehab, capped to ARV |
| Rate | Interest-only, ~10%–13% + points |
| Term | 6–18 months |
| Close | As fast as 7–14 days |
| Basis | Asset-based; $325,000 – $475,000 typical ARV |
Arizona metros we fund
| Metro | Typical basis | Rent band | On-the-ground notes |
|---|---|---|---|
| Phoenix | $340K–$480K | $1,800–$2,500 | trustee-sale acquisitions and strong in-migration |
| Tucson | $280K–$390K | $1,450–$2,000 | lower basis, steady university and defense demand |
Arizona levies state income tax (flat 2.5%); structure the hold or flip exit with that in mind.
Diligence before you fund in Arizona
Arizona carries specific physical-risk lines you must price before close:
- Extreme heat and HVAC load
- Wildfire risk in northern WUI zones
- Monsoon flooding in low desert washes
What we need to issue a Arizona term sheet
- Scope of work and rehab budget
- Entity documents (LLC operating agreement, EIN) for vesting
- Comps or a desktop valuation toward ARV
- A credible exit — resale comps or projected rent
- Purchase contract or auction confirmation
Bring those and a Arizona file can move to term sheet quickly — the asset and the exit do the talking.
Recent Arizona deal
Phoenix metro flip funded at 90% LTC for trustee-sale acquisition. The pattern repeats: speed on acquisition, a clean scope, and a defined exit.
Define the exit before you borrow
Hard money is a bridge, not a destination. In Arizona that means one of two exits:
- Resale — finish and sell via fix and flip loans Arizona economics
- Refinance — stabilize and hold with an Arizona DSCR loan
Arizona Department of Financial Institutions mortgage licensing applies; verify STR ordinances by municipality.
Arizona hard money FAQ
How fast can an Arizona hard money loan close?
With clear title and a workable scope, Arizona deals can fund in roughly 7–14 days — fast enough for Phoenix auction and estate deadlines.
What leverage do Arizona hard money lenders offer?
Commonly up to ~90% of purchase plus rehab, capped against ARV (often the $325,000 – $475,000 band in Arizona). Pricing reflects speed and asset risk, not your credit score alone.
What is the exit on an Arizona hard money loan?
Either resale via fix and flip, or refinance into an Arizona DSCR loan on stabilized rent. Define the exit before you fund.
Get Your Arizona Hard Money Quote · (833) 264-7776
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. All loans are subject to full underwriting. Jaken Finance Group only finances non-owner occupied investment properties.