Key terms
- Min credit score
- Not published
- Max purchase LTV
- Not published
- Loan size
- Not published
- Starting rate
- Not published
- Max cash-out LTV
- Not published
- Min DSCR
- Not published
- Short-term rentals
- Not published
- Foreign nationals
- Not published
- Prepayment penalty
- Not published
- How they work
- Direct to investors
“Not published” means the lender doesn’t show that figure on its website. We never guess. Summary figures use the lender’s rental (DSCR) program where it has one, otherwise its bridge program. Loan size spans all programs.
Note: Rate not published. Site: “We are a Direct Hard Money Lender” and “We are the lender. No middlemen.” Also makes owner-occupied loans. License shown on site: AZ Mortgage Banker BK 0917928, NMLS 182702.
Where they lend
No published state list or nationwide statement; listed in its home state: Arizona
Checked 2026-10-17: Contact page: “Our Location Phoenix, Arizona”. The site also says “We have closed hundreds of deals across the U.S.” but publishes no state list or nationwide statement, so it is listed in its headquarters state (AZ) under our coverage rule. HQ city from the lender’s own website (no street address published).
Source: premiumlendingllc.com/contact
Arizona and Tennessee: Based in Arizona (no published state list)
Terms on the lender’s website
Read from Premium Lending LLC’s own website on the date shown. Advertised rates are “starting at” floors, not quotes. A rate only counts toward a state page when its program names that state.
| Term | Published value | States named | As of |
|---|---|---|---|
| Max leverage Fix & flip | Up to 90% of purchase price and 100% of renovation costs | AZ | Oct 17, 2026 |
| Term Fix & flip | 1 year | AZ | Oct 17, 2026 |
| Credit | No credit check or tax returns on loans of two years or less (asset-based) | AZ | Oct 17, 2026 |
Sources and change history
Pages we read
Checked October 17, 2026. Terms change often, so confirm directly with Premium Lending LLC before you apply.
Change history
No term changes logged yet for this lender.
Similar lenders
Lenders that work in the same states with overlapping loan types.