SCOTTSDALE · CASH-OUT REFINANCE

Scottsdale Cash-Out Refinance Loans

Rates, points, loan sizing, leverage, and final terms are provided only after Grand Funding reviews the specific transaction. This website is not a commitment to lend.

Call Logan: (602) 935-0371 Get a Quote →

Cash-Out Refinance loans built for Scottsdale deals

Scottsdale is the high-end of the Arizona investor market. Properties trade at 2-3x metro Phoenix pricing. Investors here often run luxury fix-and-flips, short-term rentals on the Old Town circuit, or ground-up custom builds in DC Ranch and Troon North.

Market context: Scottsdale luxury fix-and-flip ARVs frequently exceed $1.5M. Bridge loans for 1031 exchanges between Scottsdale properties are a recurring use case.

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 Scottsdale use cases include luxury fix-and-flip, short-term rentals, ground-up custom builds, second-home refinance.

Loan terms at a glance

Loan sizing: Determined after deal review
Rates and points: Provided after deal review
Leverage: Determined after deal review
→ Term: Determined after deal review
→ Approval: 24-hour term sheet
→ Funding: 3-5 business days standard
Credit, income, experience, and documentation requirements are determined after review of the specific transaction.
→ Coverage: Statewide in Arizona, including Scottsdale

Common questions from Scottsdale investors

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

Any prepayment provision or minimum-interest period is transaction-specific and is disclosed in writing before closing.

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.