What is a hard money loan in Arizona?

A hard money loan in Arizona is a short-term, asset-based loan secured by real estate — not your credit score. Grand Funding evaluates the property value and your exit strategy, not your tax returns or employment history. This makes it ideal for Arizona investors who need fast financing for fix & flip, bridge, or construction projects.

How fast can I get a hard money loan in Arizona?

Arizona hard money loans can be approved within 24 hours and funded within 3-5 business days. Grand Funding provides decisions upon receipt of a complete application. For straightforward deals, we've closed in as little as 48 hours.

What Arizona cities does Grand Funding serve?

Arizona coverage spans the full state: Phoenix, Scottsdale, Tempe, Mesa, Gilbert, Chandler, Glendale, Peoria, Surprise, Tucson, Flagstaff, Sedona, Payson, Prescott, Yuma, and Lake Havasu City.

What is the minimum and maximum loan amount in Arizona?

Grand Funding offers Arizona hard money loans from $70,000 to $5,000,000. This range covers single-family fix & flips, small commercial deals, multi-family, and large construction projects.

Do I need perfect credit to get a hard money loan in Arizona?

Credit is considered but is not the primary qualifying factor. Grand Funding focuses on the property's value, your equity position, and your exit strategy. Arizona borrowers with credit scores as low as 550 may qualify depending on the deal structure.

PHOENIX · CASH-OUT REFINANCE

Phoenix Cash-Out Refinance Loans

Up to 75% LTV on investment property. No income docs required. Funds in 7-12 days. Replace your existing mortgage and walk with cash. Funding Phoenix investors from Arcadia, Biltmore, Camelback East, Encanto, North Central and across Arizona.

Call Logan: (602) 935-0371 Get Pre-Approved →

Cash-Out Refinance loans built for Phoenix deals

Phoenix is the fifth-largest city in the United States and the engine of Arizona real estate investing. Inventory turnover is fast, cash buyers are common, and renovation timelines are tight. Investors closing deals here need a lender who can issue a term sheet in 24 hours and fund in 3-5 days.

Market context: The Phoenix metro saw $4.2B in fix-and-flip volume in 2024. Median ARV margin on flipped properties was 22%.

Who this loan is built for

Investors with significant equity in a held property who want to redeploy capital into a new acquisition or rehab without selling. Common Phoenix use cases include fix-and-flip, buy-and-hold rentals, ADU additions, 1031 exchanges.

Loan terms at a glance

→ Loan range: $100K-$3M
→ Rate from: 10.49%
→ Maximum LTV/ARV: 75% LTV
→ Term: 12-36 months
→ Approval: 24-hour term sheet
→ Funding: 3-5 business days standard
→ Income docs: None required (asset-based)
→ Coverage: Statewide in Arizona, including Phoenix

Common questions from Phoenix investors

Can I cash-out refi a property I just bought?

Yes. Grand Funding's seasoning requirement is 6 months of ownership for a cash-out refi. Some lenders require 12. Logan can sometimes go shorter for stabilized rentals.

Is the cash-out tax-free?

Refinance proceeds are not taxable income — they're loan proceeds. Talk to your CPA about deductibility of interest, but the principal is not taxed.

How is appraised value determined?

We use a licensed third-party appraisal with comparable sales. For investment property, we lean on rental cap rate analysis as well.

Can I cash-out refi a short-term rental?

Yes. Vacation rentals and Airbnb properties are increasingly common in our book. Documentation is rental history (Airbnb/VRBO statements) for at least 12 months.