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.

What is the maximum loan for San Diego construction?

Grand Funding construction loans go up to $5,000,000. This covers luxury coastal builds, multi-unit new construction, and large ADU projects in the San Diego market.

Do you require a licensed GC in California?

Yes. California requires licensed contractors for construction permits, and we require a licensed GC for ground-up new construction loans in San Diego and statewide.

SAN DIEGO · CONSTRUCTION LOAN

San Diego Construction Loans

Up to 80% of cost. Milestone draws on your schedule. $5M cap. Built for San Diego builders and investor-developers navigating coastal permitting and high-value new construction. Funding investors from La Jolla, Pacific Beach, North Park, Encinitas, and across California.

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

Construction Loans built for San Diego deals

San Diego is one of California's most constrained real estate markets — coastal supply is limited, demand is relentless, and new construction carries some of the highest ARVs in the state. Builders and investor-developers need a lender who understands California construction permitting and can fund in 3-5 days.

Market context: San Diego ADU builds average $250K–$400K in cost but add $600K–$1M+ in property value in coastal zip codes. New construction in La Jolla and Del Mar regularly exceeds $3M ARV.

Who this loan is built for

Builder-investors with a permitted plan, licensed California GC, and a clear exit. We finance acquisition + build in a single instrument. Common San Diego use cases include coastal ADU additions, ground-up luxury builds, fix-and-flip rehabs, and teardown-rebuilds.

Loan terms at a glance

→ Loan range: $250K-$5M
→ Rate from: 10.99%
→ Maximum LTV/ARV: 80% of cost
→ Term: 12-18 months
→ Approval: 24-hour term sheet
→ Funding: 3-5 business days standard
→ Income docs: None required (asset-based)
→ Coverage: Statewide in California, including San Diego

Common questions from San Diego investors

How are construction draws structured?

Typical schedule is 4-6 milestone draws based on a third-party inspector validating completed work. First draw at slab/foundation, subsequent draws at framing, MEP, drywall, and final.

Do I need a licensed GC?

Yes for ground-up new construction. Owner-builders are case-by-case — we look at experience and project complexity.

Can the loan finance both the lot and the build?

Yes. Most of our construction loans finance acquisition + build in a single instrument.

What happens if construction runs over budget?

We work with you. Cost overruns are funded as a loan modification or a small junior facility. Logan has been a builder himself — he plans for the messiness.

Do you fund ADU construction in San Diego?

Yes. ADU additions are one of the most common use cases in San Diego and across California. We finance the full cost of an ADU build as a construction loan against the primary property's value.