Hard Money Lenders in Phoenix

Phoenix hard money lenders are split between downtown Phoenix and Scottsdale. Two of the nine below have offices on Central Avenue and First Street downtown, four are in Scottsdale (Prime Plus Mortgages and Kayak Capital share a Rancho Vista Drive address), and the others are on East Chandler Boulevard, North 32nd Street and in Mesa. Two say how long they have lent locally: Hard Money Loan Service in Arizona since 1993, Kayak Capital in the Phoenix metro since 2013.

Phoenix hard money lenders and what they publish

Ratings and review counts are as shown on each lender's Google Maps listing on October 30, 2026. Terms are quoted from each lender's own website, read the same day; "None published" means its site gives no rates or leverage. Listed alphabetically, not ranked. Confirm current terms with the lender.

B.E. Lending gives the most complete set: up to 80% of purchase and 80% of rehab, no more than 70% of ARV, loans of $75,000 to $5 million and terms up to 24 months. Prime Plus Mortgages starts at 10.99% with up to 90% LTV. Hard Money Loan Service in Mesa starts at 9% and caps loans at 70% LTV. Kayak Capital lends up to 85% of cost with up to 3 points. Metro Private Lending offers a joint venture that funds 100% of purchase and construction instead of a standard loan, and Arizona Hard Money Lenders describes itself as Private Money Funding, an Arizona mortgage bank.

How much Phoenix lenders would lend on one flip

Take a house that would resell at Phoenix's $420,700 Census median value after an assumed $50,000 rehab. The 70% rule sets the price at $244,490, so the project costs $294,490. Each lender's published limit gives a different loan on that same deal:

Where a lender states LTV without saying what value it means, the table applies it to the purchase price. Lenders may also cap loans by experience or property type.

The range runs from $171,143 to $294,490, which is the difference between bringing about $123,347 of your own money and bringing almost none. Match the lender to how much cash you want in the deal before you compare rates.

Hard money loans in Phoenix with a national lender: worked example

Kiavi says it lends in Arizona, and its bridge loans there are originated by Figure Lending LLC. It publishes rates as low as 8.25% and leverage up to 100% LTC / 80% ARV (an FAQ on the same page says up to 95% LTC) (Kiavi). At 100% of cost the loan is $294,490, under the 80% ARV cap of $336,560; at the FAQ's 95% it is $279,766, leaving $14,724 for you.

Six months of interest at the starting rate is $12,148. Kiavi does not state its fees, so budget points, appraisal and title separately. A first-time borrower may get a higher rate and lower leverage than the headline.

Private money lenders in Phoenix: national coverage gaps

Arizona is one of the states where national coverage thins out. Lima One Capital, Kiavi, Easy Street Capital, Sherman Bridge, LendingOne and Griffin Funding say they lend in Arizona, while New Silver, Express Capital Financing, Upright and Ternus do not lend there or do not list it, and Groundfloor, RCN Capital and CoreVest do not publish a state list. That makes the local lenders above more important here than in most states; compare the nationals on the Arizona hard money lenders page.

Trustee sale notices in Maricopa County

Arizona trustee sales follow A.R.S. 33-808. The trustee must post the notice of sale at least twenty days before the sale at a place for public notices in a building that serves as a location of the superior court in the county where the property will be sold, and publish the notice at least once a week for four consecutive weeks in a newspaper in that county (A.R.S. 33-808). The notice is also recorded with the county recorder.

For a buyer, that means a property usually appears in the notices about a month before it can be sold, which is enough time to get a lender's approval if you start early. Ask whether your lender will fund a trustee-sale purchase on the sale day and what it needs in advance.

Maricopa County tax rates for Phoenix

Maricopa County's 2025 rate table lists tax area 011300, which covers the Phoenix #1 elementary district, the Phoenix high school district and the City of Phoenix, at 6.9664 primary, 5.4058 approximate residential primary and 7.2388 secondary (Maricopa County 2025 rate table). Your bill depends on the parcel's assessed value rather than the price you pay, so look up the parcel before you budget carrying costs. Rates differ by tax area across the city.

Phoenix in Census figures

Phoenix leans toward owners: 350,001 of 610,442 occupied homes are owner-occupied, so renters make up 42.7%, the lowest share of the ten cities with pages here. It also has the lowest share of unoccupied units, 6.5% (42,623 of 653,065). The $1,582 median rent is 4.51% of the median value over a year.

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