--- title: "Phoenix Hard Money Lenders (2026): 27 Local, Compared" description: "27 hard money, fix and flip, bridge and DSCR lenders based in the Phoenix area or naming it on their own sites, plus 1 more that serve Arizona." canonical: https://lendertracker.com/phoenix-az-hard-money-lenders/ last_updated: 2026-10-17 content_signal: "search=yes, ai-input=yes, ai-train=yes" --- Canonical URL: (this is the Markdown version of that page). Last updated October 17, 2026. # Phoenix-area hard money lenders 27 lenders have an office in the Phoenix area or name it on their own website, and 1 more serves all of Arizona. Terms come from each lender’s site. Checked October 17, 2026. - 19 local lenders with published terms (27 local in all) - From 8.5% lowest advertised starting rate (9 of 19 publish) - Up to 80% highest published purchase LTV - $10K to $25M published loan sizes Who runs this: Alex English, a [licensed MLO with Kenwood Mortgage Investments](https://lendertracker.com/disclosure/) (listed here like every other lender, with no special placement), who also makes business-purpose private loans. LenderTracker takes no per-loan or per-lead fees. [Full disclosure](https://lendertracker.com/disclosure/). Local means the lender’s own website puts its office in Maricopa and Pinal counties (the Phoenix-Mesa-Chandler metropolitan statistical area), or names a city in that area. We list a lender here if it works in 10 or fewer states including Arizona, or is based in Arizona and doesn’t publish a state list (lenders in more than 10 states are on the [nationwide list](https://lendertracker.com/nationwide-lenders/)). ## 19 local lenders with published terms Sorted A to Z. Nobody pays for position. | Lender | Loan types | Local tie | Starting rate | Max purchase LTV | Min credit score | Loan size | |---|---|---|---|---|---|---| | [42 Solutions](https://lendertracker.com/lenders/42-solutions/) · Checked Oct 17, 2026 | Fix and flip, Bridge, Hard money | Office: Phoenix, AZ [source](https://www.weare42solutions.com/) | 12% + 1 point origination (published rate) | Not published | Not published | $100K to $2.5M | | [Active Funding Group](https://lendertracker.com/lenders/active-funding-group/) · Checked Oct 17, 2026 | Hard money | Office: Scottsdale, AZ [source](https://activefundinggroup.com/) | Not published | Not published | Not published | Up to $10M | | [ARV Fund](https://lendertracker.com/lenders/arv-fund/) · Checked Oct 17, 2026 | Fix and flip, Hard money | Office: Gilbert, AZ [source](https://www.arvfund.com/) | 10–16% (published range) | 80% | Not published | Not published | | [B.E. Lending](https://lendertracker.com/lenders/be-lending/) · Checked Oct 16, 2026 | Fix and flip, Bridge, Hard money | Office: Phoenix, AZ [source](https://belending.com/)Names [Mesa](https://belending.com/service-area/hard-money-loans-for-investors-mesa-az/), [Scottsdale](https://belending.com/service-area/hard-money-loans-for-investors-scottsdale-az/) on its site (page, checked Oct 17, 2026) | Not published | Not published | Not published | Not published | | [Capital Fund 1](https://lendertracker.com/lenders/capital-fund-1/) · Checked Oct 17, 2026 | DSCR rental, Fix and flip, Bridge, Hard money | Office: Scottsdale, AZ [source](https://capitalfund1.com/)Names [Phoenix](https://capitalfund1.com/arizona-hard-money-lender/phoenix/), [Chandler](https://capitalfund1.com/arizona-hard-money-lender/chandler/), [Mesa](https://capitalfund1.com/arizona-hard-money-lender/mesa/) on its site (page, checked Oct 17, 2026) | From 9.75% · CF Advantage | 80% | 620 | $100K to $3M | | [Clear Mortgage](https://lendertracker.com/lenders/clear-mortgage/) · Checked Oct 17, 2026 | Fix and flip, Bridge, Hard money, Ground-up | Office: Tempe, AZ [source](https://clearaz.com/about) | Not published | Not published | Not published | Not published | | [Colonial Capital](https://lendertracker.com/lenders/colonial-capital/) · Checked Oct 17, 2026 | Bridge, Hard money | Office: Phoenix, AZ [source](https://colonial-capital.com/) | 8.50%–14.00% (published range) | Not published | Not published | Up to $19M | | [Hanson Capital Lending](https://lendertracker.com/lenders/hanson-capital-lending/) · Checked Oct 17, 2026 | Fix and flip, Bridge, Hard money, Ground-up | Office: Scottsdale, AZ [source](https://hclends.com/about-us-lending/)Names [Phoenix](https://hclends.com/hard-money-projects/cash-out-refinance-in-phoenix/), [Glendale](https://hclends.com/hard-money-projects/purchase-acquisition-loan-in-glendale-az/), [Mesa](https://hclends.com/hard-money-projects/purchase-acquisition-loan-in-mesa/) on its site (funded deal, checked Oct 17, 2026) | From 9.99% (interest only) | 80% | Not published | From $50K | | [HD Lending](https://lendertracker.com/lenders/hd-lending/) · Checked Oct 17, 2026 | Fix and flip, Bridge, Hard money | Office: Phoenix, AZ [source](https://hd-lending.com/) | Not published | Not published | Not published | From $10K | | [Hilton Financial Corporation](https://lendertracker.com/lenders/hilton-financial/) · Checked Oct 16, 2026 | Fix and flip, Bridge, Hard money | Office: Phoenix, AZ [source](https://www.hiltonloans.com/hard-money-loans-tennessee/) | Not published | 69% (as of Oct 13, 2026) | Not published | Not published | | [Kayak Capital](https://lendertracker.com/lenders/kayak-capital/) · Checked Oct 17, 2026 | Fix and flip, Bridge, Hard money | Office: Scottsdale, AZ [source](https://www.kayakcapital.com/contact)Names [Phoenix](https://www.kayakcapital.com/hard-money-lender-phoenix-az), [Avondale](https://www.kayakcapital.com/hard-money-lender-avondale-az), [Buckeye](https://www.kayakcapital.com/hard-money-lender-buckeye-az) +14 more on its site (page, checked Oct 17, 2026) | Not published | Not published | Not published | Not published | | [Kenwood Mortgage Investments](https://lendertracker.com/lenders/kenwood-mortgage-investments/) · Checked Oct 16, 2026 · Disclosure: LenderTracker’s creator is an MLO here (doesn’t own it). [Details](https://lendertracker.com/disclosure/) | Fix and flip, Bridge, Hard money, Ground-up | Office: Scottsdale, AZ [source](https://kenwoodmortgage.com/contact/)Names [Phoenix](https://kenwoodmortgage.com/arizona-hard-money-lender/phoenix/), [Avondale](https://kenwoodmortgage.com/arizona-hard-money-lender/avondale/), [Buckeye](https://kenwoodmortgage.com/arizona-hard-money-lender/buckeye/) +11 more on its site (page, checked Oct 17, 2026) | Not published | 80% | Not published | $50K to $25M | | [LM2 Investment Group](https://lendertracker.com/lenders/lm2-investment-group/) · Checked Oct 17, 2026 | Fix and flip, Hard money | Office: Scottsdale, AZ [source](https://lm2investments.com/contact-us/)Names [Phoenix](https://lm2investments.com/phoenix-hard-money-lender/), [Avondale](https://lm2investments.com/hard-money-lender-avondale-arizona/), [Buckeye](https://lm2investments.com/hard-money-lender-buckeye-arizona/) +6 more on its site (page, checked Oct 17, 2026) | Not published | Not published | Not published | Not published | | [Metro Private Lending](https://lendertracker.com/lenders/metro-private-lending/) · Checked Oct 17, 2026 | Fix and flip, Bridge, Hard money, Ground-up | Office: Phoenix, AZ [source](https://metroprivatelending.com/) | Not published | Not published | Not published | Not published | | [Premium Lending LLC](https://lendertracker.com/lenders/premium-lending-llc/) · Checked Oct 17, 2026 | Fix and flip, Bridge, Hard money | Office: Phoenix, AZ [source](https://premiumlendingllc.com/contact) | Not published | Not published | Not published | Not published | | [Prime Plus Mortgages](https://lendertracker.com/lenders/prime-plus-mortgages/) · Checked Oct 17, 2026 | DSCR rental, Fix and flip, Bridge, Hard money | Office: Scottsdale, AZ [source](https://www.primeplusmortgages.com/)Names [Phoenix](https://www.primeplusmortgages.com/private-money-lender-phoenix/), [Avondale](https://www.primeplusmortgages.com/avondale-hard-money-loans/), [Buckeye](https://www.primeplusmortgages.com/buckeye-hard-money-loans/) +10 more on its site (page, checked Oct 17, 2026) | From 10.99% | Not published | Not published | Not published | | [Quick Source Capital LLC](https://lendertracker.com/lenders/quick-source-capital/) · Checked Oct 17, 2026 | Fix and flip, Bridge, Hard money | Office: Phoenix, AZ [source](https://quicksourcecapital.com/make-a-payment) | From 10.00% (APR 10.99%) · New program, 36 or 60 month terms, 15-month prepayment penalty | Not published | Not published | Not published | | [SWH Funding, LLC](https://lendertracker.com/lenders/swh-funding/) · Checked Oct 17, 2026 | Hard money | Office: Phoenix, AZ [source](https://www.swhfunding.com/) | 12.9% (published rate, Phoenix metro single family; 14% mobile home or rural) | Not published | Not published | Not published | | [Versara Capital](https://lendertracker.com/lenders/versara-capital/) · Checked Oct 17, 2026 | Fix and flip, Hard money | Office: Chandler (mailing address), AZ [source](https://versaracapital.com/contact/) | From 10.99% · Fix & flip | Not published | Not published | Not published | Local tie comes from the lender’s own website, linked. Rates are advertised “starting at” floors, not quotes. “Not published” means the lender doesn’t show that figure on its website. We never guess. ### 8 more local lenders we’re watching Their websites show the loan types listed, but they haven’t published terms we can show, so we show no terms. Contact them directly for pricing. - [A & A Funding Corp.](https://lendertracker.com/lenders/a-a-funding/) Hard money, Bridge Office: Scottsdale, AZ [source](https://www.aafundcorp.com/contact)Names [Phoenix](https://www.aafundcorp.com/hard-money-loans-phoenix) on its site (page, checked Oct 17, 2026) - [Barrett Financial Group](https://lendertracker.com/lenders/barrett-financial/) Non-QM Office: Chandler, AZ [source](https://www.barrettfinancial.com/) - [Boomerang Capital Partners](https://lendertracker.com/lenders/boomerang-capital/) Fix and flip, Hard money Office: Mesa, AZ [source](https://boomerangcapital.com/request-a-quote/)Names [Phoenix](https://boomerangcapital.com/project/phoenix-az/), [Glendale](https://boomerangcapital.com/project/glendale_az/), [Paradise Valley](https://boomerangcapital.com/project/paradise-valley-az/) on its site (funded deal, checked Oct 17, 2026) - [Copa Capital Partners](https://lendertracker.com/lenders/copa-capital-partners/) Fix and flip, Hard money Office: Mesa, AZ [source](https://www.copacapital.com/) - [Grand Funding](https://lendertracker.com/lenders/grand-funding/) Fix and flip, Bridge, Hard money, Ground-up Names [Phoenix](https://www.grandfundingllc.com/phoenix-hard-money-lender), [Chandler](https://www.grandfundingllc.com/contact), [Gilbert](https://www.grandfundingllc.com/contact) +3 more on its site (page, checked Oct 17, 2026) - [Phoenix Hard Money](https://lendertracker.com/lenders/phoenix-hard-money/) Fix and flip, Hard money Office: Scottsdale, AZ [source](https://phoenixhardmoney.com/)Names [Phoenix](https://phoenixhardmoney.com/construction-loans-phoenix/), [Chandler](https://phoenixhardmoney.com/hard-money-lender-chandler-az/), [Gilbert](https://phoenixhardmoney.com/hard-money-lender-gilbert-az/) +3 more on its site (page, checked Oct 17, 2026) - [Private Money Funding](https://lendertracker.com/lenders/private-money-funding/) Bridge, Hard money Office: Scottsdale, AZ [source](https://privatemoneyfunding.com/) - [Steeple Rock Funding](https://lendertracker.com/lenders/steeple-rock-funding/) Bridge, Hard money Office: Gilbert, AZ [source](https://srfaz.com/) ## 1 more lender that serves Arizona Based elsewhere in Arizona or covering it from a short list of states, with no local tie we could verify. | Lender | Loan types | Starting rate | Max purchase LTV | Min credit score | Loan size | Where they lend | |---|---|---|---|---|---|---| | [FlipFast Loans LLC](https://lendertracker.com/lenders/flipfast-loans/) · Checked Oct 17, 2026 | Fix and flip, Bridge | Not published | Not published | Not published | Not published | Based in Arizona (No state list published, so listed in its home state) | Rates are advertised “starting at” floors, not quotes. “Not published” means the lender doesn’t show that figure on its website. We never guess. [How we collect data](https://lendertracker.com/about/) **Looking for big national lenders?** Lenders that work in more than 10 states aren’t on city or state pages. See the [nationwide list](https://lendertracker.com/nationwide-lenders/) (37 lenders, with the states each one skips). ## Phoenix market data Public figures, each with its source, period and the date we retrieved it. Nothing here is estimated. | Figure | Value | Period | Source | |---|---|---|---| | **Median home value** · Phoenix-Mesa-Chandler metro | $440,900 | 2020–2024 (ACS 5-year) | [U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, table B25077](https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/data/5YRData/acsdt5y2024-b25077.dat) (Retrieved Oct 17, 2026) | | **Median home value** · City of Phoenix | $420,700 | 2020–2024 (ACS 5-year) | [U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, table B25077](https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/data/5YRData/acsdt5y2024-b25077.dat) (Retrieved Oct 17, 2026) | | **Median gross rent** · Phoenix-Mesa-Chandler metro | $1,702 | 2020–2024 (ACS 5-year) | [U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, table B25064](https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/data/5YRData/acsdt5y2024-b25064.dat) (Retrieved Oct 17, 2026) | | **Renter-occupied homes** · Phoenix-Mesa-Chandler metro | 33.4% | 2020–2024 (ACS 5-year) | [U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, table B25003](https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/data/5YRData/acsdt5y2024-b25003.dat) (Retrieved Oct 17, 2026. 632,407 of 1,892,613 occupied homes are renter-occupied (table B25003).) | | **HUD Fair Market Rent, 2-bedroom** · Phoenix-Mesa-Chandler, AZ MSA | $1,734 | FY2027 (effective October 1, 2026) | [U.S. Department of Housing and Urban Development (HUD), FY2027 Fair Market Rents](https://www.huduser.gov/portal/datasets/fmr/fmr2027/FY27_FMRs.xlsx) (Retrieved Oct 17, 2026) | | **HUD Fair Market Rent, 3-bedroom** · Phoenix-Mesa-Chandler, AZ MSA | $2,287 | FY2027 (effective October 1, 2026) | [U.S. Department of Housing and Urban Development (HUD), FY2027 Fair Market Rents](https://www.huduser.gov/portal/datasets/fmr/fmr2027/FY27_FMRs.xlsx) (Retrieved Oct 17, 2026. HUD requires Small Area FMRs (ZIP-level) for Housing Choice Vouchers in this area, so voucher rents can differ by ZIP.) | | **Median sale price** · Phoenix, AZ metro area | $469,000 | May 2026, all residential, not seasonally adjusted | [Redfin, a national real estate brokerage (Data Center, metro market tracker)](https://www.redfin.com/news/data-center/) (Retrieved Oct 17, 2026. Latest month in Redfin’s public metro tracker file on the date retrieved (file updated June 2, 2026).) | | **Median days on market** · Phoenix, AZ metro area | 61 days | May 2026, all residential, not seasonally adjusted | [Redfin, a national real estate brokerage (Data Center, metro market tracker)](https://www.redfin.com/news/data-center/) (Retrieved Oct 17, 2026. Latest month in Redfin’s public metro tracker file on the date retrieved (file updated June 2, 2026).) | Credits: U.S. Census Bureau (American Community Survey), U.S. Department of Housing and Urban Development (Fair Market Rents), and [Redfin, a national real estate brokerage](https://www.redfin.com/news/data-center/). Renter share is computed from the ACS counts in the note. ACS figures are 5-year estimates with margins of error. ## DSCR math, worked through Illustration This is an example, not a quote. The rate, down payment and monthly tax, insurance and HOA figure are assumptions we chose to show the math; they are not market data or any lender’s terms. A DSCR (debt service coverage ratio) loan is qualified on the property’s rent: DSCR = monthly rent ÷ monthly payment. Here’s the math using Phoenix figures from the data box above. | Input | Value | Where it comes from | |---|---|---| | Purchase price | $440,900 | Median home value, Phoenix-Mesa-Chandler metro (2020–2024 (ACS 5-year), U.S. Census Bureau) | | Down payment | 25% | Assumption for this example | | Loan amount | $330,675 | Price minus down payment | | Interest rate | 7.50%, 30-year, fully amortizing | Assumption for this example, not a quote | | Principal and interest | $2,312 a month | Standard amortization formula | | Taxes, insurance and HOA | $400 a month | Assumption for this example | | Total payment (PITIA) | $2,712 a month | Principal and interest plus taxes, insurance and HOA | | Monthly rent | $2,287 | HUD Fair Market Rent, 3-bedroom, Phoenix-Mesa-Chandler, AZ MSA (FY2027 (effective October 1, 2026)) | **DSCR = $2,287 ÷ $2,712 = 0.84**. Under these assumptions the rent does not cover the payment. The rent would need to be $2,712 for a DSCR of 1.00 and $3,390 for 1.25. Each lender sets its own minimum DSCR, rate and down payment. Compare [DSCR lenders that serve Arizona](https://lendertracker.com/arizona-dscr-lenders/) for published minimums. ## Local rules investors ask about Short summaries with the official source for each. Rules change, so read the source before you act. This isn’t legal advice. ### Register rental property with the county assessor Arizona requires owners of residential rental property to register it with the county assessor. Owners who live out of state must name a statutory agent in Arizona. The county can charge a civil penalty for unregistered rentals. Source: [A.R.S. § 33-1902](https://www.azleg.gov/ars/33/01902.htm). Checked Oct 17, 2026. ### No city rental tax on long-term residential rentals since 2025 Starting January 1, 2025, Arizona cities and towns can no longer charge transaction privilege tax on residential rentals of 30 days or more. Short-term rentals (under 30 days) still owe transaction privilege tax. Source: [A.R.S. § 42-6004(H); Arizona Department of Revenue residential rental guidance](https://azdor.gov/business/transaction-privilege-tax/residential-rental-guidelines). Checked Oct 17, 2026. ### Phoenix short-term rental permit Phoenix requires a permit for each short-term or vacation rental. The permit fee is $250 a year, and operators need a transaction privilege tax license, county assessor registration and liability insurance of at least $500,000. Source: [Phoenix City Code §§ 10-195, 10-196; City of Phoenix short-term rental registry](https://www.phoenix.gov/administration/departments/pdd/registration-licensing/short-term-rental-registry.html) ([code text](https://phoenix.municipal.codes/CC/10-195)). Checked Oct 17, 2026. ### Scottsdale short-term rental license Scottsdale requires an annual license of $250 per property for rentals of less than 30 days. Owners must notify neighbors, carry at least $500,000 of liability insurance and register the property with the county assessor. Source: [Scottsdale City Code, Chapter 18, Article IX (Ordinance 4566); City of Scottsdale owner and operator information](https://www.scottsdaleaz.gov/codes-and-ordinances/vacation-and-short-term-rentals/information-for-owners-and-operators). Checked Oct 17, 2026. ### Trustee’s sale timeline on a deed of trust In an Arizona trustee’s sale, the sale date can be no sooner than the 91st day after the notice of sale is recorded, and the notice must also be posted and published. Hard money loans here are usually secured by a deed of trust. Source: [A.R.S. § 33-808](https://www.azleg.gov/ars/33/00808.htm). Checked Oct 17, 2026. ## Before you apply Three steps that save investors money with any lender on this page. - **Send the same scenario to each lender**Address, price or value, rehab budget or rent, credit score, loan amount and your exit plan. - **Compare written term sheets**Rate, points, fees, max LTV or LTC, reserves and any prepayment penalty. - **Confirm they close in Phoenix**Business-purpose rules vary by state, so check the lender closes your property type in Phoenix. ## Phoenix hard money lender FAQ Answers use only the data on this page: lender counts, public market data and official rules. ### How many hard money lenders are based in the Phoenix area? 19 lenders with published terms and 8 more we’re watching have an office in Maricopa and Pinal counties (the Phoenix-Mesa-Chandler metropolitan statistical area) or name a city there on their own website, as of October 17, 2026. Another 1 lenders that serve Arizona are based elsewhere in the state. Lenders that work in more than 10 states aren’t counted here; they’re on our nationwide list. ### How does LenderTracker decide a lender is local to the Phoenix area? We use only the lender’s own website: the office address it publishes, or a page, service-area list or funded-deal post that names a city in the metro. Every local tie on this page links to that source and shows the date we checked it. The lender must also meet our Arizona rule: it works in 10 or fewer states including Arizona, or is based in Arizona and doesn’t publish a state list. ### What is the median home value in the Phoenix area? The Census Bureau’s 2020–2024 American Community Survey puts the median owner-estimated home value at $440,900 for Phoenix-Mesa-Chandler metro; $420,700 for City of Phoenix. Redfin reports a median sale price of $469,000 for the Phoenix, AZ metro area in May 2026. Sources and retrieval dates are in the market data box on this page. ### What rent can a rental property in the Phoenix area expect? HUD’s FY2027 Fair Market Rents for the Phoenix-Mesa-Chandler, AZ MSA are $1,734 for a 2-bedroom and $2,287 for a 3-bedroom, effective October 1, 2026. The ACS 2020–2024 median gross rent is $1,702 for Phoenix-Mesa-Chandler metro. Fair Market Rents are HUD’s benchmark for voucher programs, not an appraisal of a specific property, so get a rent estimate for your address. ### Do I need a permit for a short-term rental in Phoenix? Phoenix requires a permit for each short-term or vacation rental. The permit fee is $250 a year, and operators need a transaction privilege tax license, county assessor registration and liability insurance of at least $500,000. Source: Phoenix City Code §§ 10-195, 10-196; City of Phoenix short-term rental registry. ### What is the lowest minimum credit score local lenders in the Phoenix area publish? 1 of the 19 local lenders publishes a minimum credit score. The published minimum is 620. 18 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 local lenders in the Phoenix area publish? 5 of the 19 publish a max purchase LTV. Published maximums range from 69% to 80%, so the highest is 80%. Maximums usually depend on credit score, experience and property type. ### What loan sizes do local lenders in the Phoenix area offer? Of the 19 local lenders, 5 publish a minimum loan size, from $10K to $100K and 5 publish a maximum, from $2.5M to $25M. The rest don’t publish loan sizes on the pages we checked. ### Do local lenders in the Phoenix area publish interest rates? 9 of the 19 local lenders have published an advertised starting rate in the last 180 days, with floors from 8.5% to 16% (published October 17, 2026). These are advertised “starting at” floors, not quotes; each lender’s page shows its figure and date. 10 don’t publish a current rate, so request a written term sheet. ### 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. Information on LenderTracker is for general research only and is not lending, legal, tax or investment advice. Not an offer or commitment to lend. Lender names and trademarks belong to their owners. © 2026 LenderTracker. --- Disclosure: LenderTracker is created by Alex English, a licensed real estate agent and a licensed mortgage loan originator (MLO) with Kenwood Mortgage Investments (Alex doesn't own it; it is listed like every other lender, with no special placement). Alex also makes business-purpose private money loans. None of Alex's own private lending entities are listed. LenderTracker takes no per-loan or per-lead fees and does not broker loans. Full disclosure: https://lendertracker.com/disclosure/