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8 lenders we track say they lend in Arizona and offer long-term rental loans qualified on the property’s rent (debt service coverage ratio). This list only includes lenders that name Arizona on their website or in their own marketing. It’s a starting point for comparison, not a recommendation. Terms change often, so confirm everything with the lender.
8 lenders · data checked October 16, 2026
More in Arizona: All Arizona lenders (12) · Arizona hard money lenders (10) · Arizona fix-and-flip lenders (9)
| Lender | Loan types | Advertised rate (“starting at”) | Max purchase LTV | Min FICO | Loan size | State coverage source |
|---|---|---|---|---|---|---|
| Capital Fund 1Direct and wholesale | DSCR / rentalFix & flipBridgeHard money | Not published | Not published | Not published | Not published | Lender’s own marketing |
| Dominion Financial ServicesDirect to investors | DSCR / rentalBridge | Not published | 80%checked October 16, 2026 | 640checked October 16, 2026 | Not published | Lender’s website |
| Griffin FundingDirect to investors | DSCR / rental | Not published | 85%checked October 16, 2026 | 620checked October 16, 2026 | $100K–$4.5Mchecked October 16, 2026 | Lender’s website |
| LendingOneDirect to investors | DSCR / rentalFix & flipBridge | Not published | 80%checked October 16, 2026 | Not published | $85K–$3Mchecked October 16, 2026 | Lender’s website |
| Lima One CapitalDirect to investors | DSCR / rentalFix & flipBridge | Not published | 80%checked October 16, 2026 | Not published | $100K–$5Mchecked October 16, 2026 | Lender’s website |
| Longleaf LendingDirect to investors | DSCR / rentalFix & flipBridge | Not published | 80%checked October 16, 2026 | 640checked October 16, 2026 | $75K–$2Mchecked October 16, 2026 | Lender’s website |
| New SilverDirect to investors | DSCR / rentalFix & flip | Not published | 80%checked October 16, 2026 | 650checked October 16, 2026 | $100K–$5Mchecked October 16, 2026 | Lender’s website |
| Rain City CapitalDirect to investors | DSCR / rentalFix & flipHard money | Not published | Not published | Not published | Not published | Lender’s own marketing |
Rates are advertised “starting at” floors from the lender’s own published materials, not quotes, each shown with the date it was published. “Not published” means we didn’t find that figure on the lender’s site or in its marketing. We never estimate. Figures without an email date come from the lender’s website on the date checked. Lenders that say “nationwide” without listing states aren’t included, because their coverage is unknown. Lenders are listed alphabetically and no placement is paid. How we collect data.
Before you apply
Give each lender the same scenario (property address, price or value, rehab budget or rent, credit score, loan amount, exit plan) and compare written term sheets: rate, points, fees, max LTV or LTC, reserves and any prepayment penalty. Business-purpose lending rules vary by state, so confirm the lender can close in Arizona for your property type.
Arizona DSCR lender FAQ
How many DSCR lenders lend in Arizona?
8 lenders we track say on their own website or in their own marketing that they lend in Arizona and offer long-term rental loans qualified on the property’s rent (debt service coverage ratio): Capital Fund 1, Dominion Financial Services, Griffin Funding, LendingOne, Lima One Capital, Longleaf Lending, New Silver and Rain City Capital. Lenders that only say “nationwide” without listing states aren’t counted, because their coverage is unknown.
What is the lowest minimum credit score DSCR lenders in Arizona publish?
4 of the 8 DSCR lenders publish a minimum credit score. The lowest published minimum is 620 (Griffin Funding). 4 don’t publish one on the pages we checked. A lender’s lowest minimum often applies to only one program, so check the program details.
What is the highest purchase LTV DSCR lenders in Arizona publish?
The highest published max purchase LTV is 85% (Griffin Funding). 6 of the 8 publish a max purchase LTV. Maximums usually depend on credit score, experience and property type.
What loan sizes do DSCR lenders in Arizona offer?
Among lenders that publish loan sizes, the smallest published minimum loan is $75K (Longleaf Lending) and the largest published maximum is $5M (Lima One Capital and New Silver).
Do DSCR lenders in Arizona publish interest rates?
None of the 8 DSCR lenders has published a current advertised starting rate that we’ve found (we treat anything older than 180 days as historical). Expect to request a written term sheet for your scenario.
Does LenderTracker get paid to list or rank these lenders?
No. Lenders are listed alphabetically, no placement is paid, and LenderTracker takes no per-loan or per-lead fees. Our disclosure page explains who runs the site and any relationships.