Bridge Loans Arizona
Bridge an Arizona deal in one of the country’s fastest-growing states – from metro Phoenix and Scottsdale to Tucson and the semiconductor corridor. We fund the gap on the property and exit so you can close before you sell or refinance.
- Asset-based – we lend on the property and the exit, not your tax returns
- Up to 95% LTC · no maximum loan amount · no cap on the number of properties
- Phoenix, Tucson, Mesa, Scottsdale, Tempe & Flagstaff
- SF, 2-4 unit, multifamily, mixed-use, retail/office & land
- 6-24 mo interest-only · rates from 7.625% (subject to change) · close in as few as 5 days
Get Your Free Quote! No Credit Pull Required.
Arizona Bridge Loans – Key Facts (2026)
- What it is: A short-term, asset-based loan that bridges the gap between buying and selling or refinancing – funded on the property and the exit, not your income.
- Best for: Competitive Phoenix-metro purchases, snowbird and short-term-rental buys, and value-add before a DSCR refinance.
- Leverage: Up to 95% LTC · no maximum loan amount · no cap on the number of properties. Rates: from 7.625% (subject to change) · 1-3 points.
- Terms: 6-24 month interest-only with extension options, or refinance to a 30-40 yr DSCR/permanent loan. Funding: as fast as 5 days.
- Property types: SF, 2-4 unit, multifamily, mixed-use, retail/office, and land.
- Lender: CambridgeHomeLoan.com – direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Bridge financing in Arizona
What is a bridge loan in Arizona?
An Arizona bridge loan is fast, asset-based capital for a short-term hold. With TSMC’s Phoenix fabs, sustained in-migration, and heavy snowbird and short-term-rental demand, Arizona deals reward speed – a bridge lets you win the contract and refinance or sell on your timeline.
| Secured by | The property (asset-based) – no personal income used |
| Max leverage | Up to 95% LTC · no maximum loan amount · no cap on number of properties |
| Rates from | 7.625% (subject to change, deal-dependent) · 1-3 points |
| Terms | 6-24 mo interest-only · extension options · DSCR/permanent exit |
| Funding speed | As fast as 5 days |
| Property types | SF, 2-4 unit, multifamily, mixed-use, retail/office, land |
| Area | Statewide – Phoenix, Tucson, Mesa, Scottsdale, Tempe, Flagstaff and all 15 counties |
Eligible properties
Arizona bridge loan property types
We bridge investment and business-purpose real estate across the board – residential, multi-family, and commercial:
How we compare
CambridgeHomeLoan vs. Top National Bridge Lenders
Arizona investors shop bridge financing on leverage, speed, and cost. Here is how our program stacks up against terms commonly advertised by top national bridge lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Max LTC | Up to 95% | Typically 80-85% |
| Max loan amount | No maximum | Often capped |
| # of properties | No cap | Often limited |
| Rates from | 7.625% (STC) | ~10-13%+ |
| Term | 6-24 mo + extensions | 6-12 mo |
| Exit | Sale or 30-40 yr DSCR refi | Interest-only only |
| Funding speed | As fast as 5 days | 10-21 days |
| Model | Direct lender since 1998 | Broker or fund |
“Top national lenders” reflects terms commonly advertised across the bridge market as of 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Arizona market data
Arizona bridge market at a glance (2026)
Representative 2026 indicators for underwriting context – confirmed per deal by an as-is (and, where relevant, after-repair) appraisal.
Arizona bridge deals by the numbers (2026)
- Population magnet: Maricopa County remains one of the nation’s fastest-growing counties, keeping resale and rental demand strong.
- Chip-driven jobs: semiconductor investment north of Phoenix supports new workforce-housing demand for reposition plays.
- Seasonal demand: Scottsdale, Tempe and Flagstaff short-term-rental buys often need a fast, flexible close a bridge provides.
Market context is qualitative and provided for illustration only; figures are third-party estimates confirmed per deal by appraisal.
Arizona submarkets
Where Arizona bridge deals pencil
Arizona bridge deals pencil across the Phoenix metro’s suburbs, in Tucson value-add, and in the higher-value Scottsdale and Flagstaff second-home markets.
| Market | Typical price band (2026)* | Bridge angle |
|---|---|---|
| Phoenix (Maricopa) | $330K-$600K | In-migration; fast resale |
| Tucson (Pima) | $260K-$450K | University and value-add rentals |
| Mesa (Maricopa) | $340K-$560K | Suburban owner-occupant resale |
| Scottsdale (Maricopa) | $500K-$1.2M | Luxury and STR reposition |
| Tempe (Maricopa) | $360K-$620K | ASU rentals; strong demand |
| Flagstaff (Coconino) | $450K-$800K | Mountain STR; tight inventory |
*Approximate 2026 ranges for illustration – verify current comps for the specific address (an appraisal sets the value we lend against).
Free tool
Arizona bridge loan calculator
Enter your numbers and see your bridge loan, down payment, cash to close, interest-only payment, and financing cost instantly. We lend up to 95% of total cost (purchase plus rehab) – no maximum loan amount. Illustrative only; final loan uses an appraisal.
Your deal
Illustrative only; not a commitment to lend. Rate shown is a working input; program rates start at 7.625% (subject to change). Excludes taxes, insurance, and some closing and holding costs. We confirm value with an appraisal.
Apply in minutes
Apply for your Arizona bridge loan
Same-day term sheet, no tax returns, and funding in as few as 5 days. Start your application – or call (800) 826-5077.
Worked example
A real Arizona bridge deal
A Arizona investment deal bought at $345,000 with a $40,000 rehab/capex budget (total cost $385,000): at up to 95% LTC we bridge about $365,750, leaving roughly $19,250 down (about 5%). With 2 points (about $7,315) and an interest-only payment near $2,743/mo, estimated cash to close is about $26,565 on a 12-month term, with exit by sale or a 30-40 yr DSCR/permanent refinance. No maximum loan amount and no cap on the number of properties. Illustrative only; rates start at 7.625% (subject to change) and value is confirmed by appraisal.
Programs
Arizona bridge loan programs
| Purchase bridge | Buy before you sell; fast close on a competitive deal |
| Refinance / payoff bridge | Pay off a maturing loan or partner; buy time to sell or refi |
| Cash-out bridge | Pull equity fast for the next acquisition or renovation |
| Reposition / stabilize | Value-add, lease-up, then refinance to permanent |
| Auction & proof of funds | Close fast on courthouse and REO buys |
| Rehab-to-rent (BRRRR) | Bridge now, refinance to a 30-40 yr DSCR loan |
Requirements
Arizona bridge loan requirements
| Down / equity | As little as 5% of cost at up to 95% LTC |
| Loan amount | No maximum loan amount |
| Portfolio | No cap on the number of properties |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Experience | First-timers welcome; experienced investors get higher leverage |
| Valuation | As-is appraisal; ARV and scope of work if a rehab bridge |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Exit | Sale or refinance to a 30-40 yr amortized / DSCR loan |
Answers
Arizona bridge loan FAQ
Why use a bridge loan in Arizona?
Phoenix-metro deals are competitive and short-term-rental buys in Scottsdale, Tempe and Flagstaff move fast. A bridge closes in as few as 5 days, then you refinance to a DSCR loan or sell into strong buyer demand.
Can I bridge a short-term rental in Arizona?
Yes. We bridge the acquisition or reposition on the asset, then you can refinance to a 30-40 year DSCR loan that qualifies on the property’s income – no tax returns.
Keep exploring
Related Arizona investor loans
(c) 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Bridge loans are business-purpose loans for non-owner-occupied investment properties only and are not available for primary residences. Rates, points, LTV, term, and leverage are illustrative, subject to change without notice, and subject to borrower, property, and deal qualification and underwriting approval. “Up to 95% LTC” reflects maximum leverage for the strongest profiles and is not a quote or commitment to lend. “No maximum loan amount” and “no cap on the number of properties” are subject to underwriting, and rates from 7.625% are subject to change without notice. Values are estimates confirmed by an appraisal on your specific property. Calculator results are illustrative and exclude some holding, closing, and interest costs. Market statistics are third-party estimates for illustration only. This page is informational and does not constitute financial, legal, tax, or investment advice.