Arizona Hard Money · Fix & Flip · BRRRR · Rental & Bridge Loans
Fix and Flip Loans Arizona
Fund your next Arizona flip or BRRRR with up to 95% LTC plus 100% of rehab — from metro Phoenix and the East Valley to Tucson and the fast-growing desert suburbs.
- Fix & flip, BRRRR, rental & ground-up construction financing under one roof
- Property types: 1-4 family, 5+ unit multifamily, mixed-use, vacation & commercial
- Up to 95% LTC plus 100% of rehab — reimbursed by draws as work is completed
Direct lender since 1998 · NMLS #1826020 · LLC & foreign nationals OK · Arizona investment-property specialists
Get Your Free Arizona Fix & Flip Quote — No Credit Pull Required
Get Your Free Quote! No Credit Pull Required.
Arizona Fix & Flip Loans — Program at a Glance (2026)
| Purchase leverage | Up to 95% LTC |
| Rehab funding | 100% of rehab costs, reimbursed by draw as work is completed |
| Max ARV | Up to ~70-75% of after-repair value (ARV) |
| Credit | FICO from 620 |
| Property types | 1-4 family, 5+ multifamily, mixed-use, vacation / short-term rentals, and commercial |
| Term | 6-24 months interest-only · extension options |
| Rate & points | Interest-only, starting interest from 8.90% (subject to change, deal-dependent) · 1-3 points |
| Income docs | None — asset-based; business-purpose only |
| Borrower | No maximum number of properties · first-time investors, foreign nationals & LLCs welcome |
| Exit | Sale, or easy refinance into a 30- or 40-year amortized DSCR loan — no additional income docs, tax returns, or W2s required |
| Area | Statewide across all 15 Arizona counties |
What is a fix and flip loan in Arizona?
An Arizona fix and flip loan funds both the purchase and renovation of an investment property on the deal, not your income. Phoenix’s relentless in-migration, a deep stock of 1960s-1990s block-and-stucco homes ripe for value-add, and strong rental demand make Arizona one of the most active flip and BRRRR markets in the Sunbelt.
Use this Arizona hub as your starting point, then open a Arizona city page below for local comparables, neighborhood-level detail, and market-specific loan scenarios.
Eligible Arizona property types
Unlike lenders that only touch single-family, our Arizona program finances the whole range of business-purpose property:
1-4 Family Residential
Single-family, townhomes, condos, and 2-4 unit — the core of most Arizona flips.
5+ Unit Multifamily
Value-add apartment buildings repositioned for sale or a DSCR refinance.
Mixed-Use
Retail or office over residential and live-work buildings.
Vacation / Short-Term Rentals
Renovate-to-STR in Arizona tourist markets, then keep or sell.
Commercial
Select commercial and small mixed-asset deals, case-by-case.
Condos & Townhomes
Warrantable and many non-warrantable attached product.
Arizona fix & flip profit calculator
Run the numbers on a Arizona flip below. We lend up to 95% of purchase and 100% of rehab, held within about 70-75% of ARV. Figures are illustrative; final terms use an appraisal and underwriting.
Illustrative only; not a commitment to lend. Rates, points, and leverage are deal-dependent and subject to change. ARV confirmed by appraisal.
Arizona BRRRR & rental-income analysis calculator
Planning to Buy, Rehab, Rent, Refinance, Repeat? When the rehab is done and the property is rented, refinance with an easy 30- or 40-year amortized DSCR loan — no additional income docs, tax returns, or W2s required (we qualify the property’s rent, not you). A 40-year amortization lowers the payment and boosts cash flow and DSCR.
Illustrative only. DSCR = net operating income ÷ annual debt service. Final terms use an appraisal and underwriting.
BRRRR investing in Arizona: why it works here
Arizona BRRRR works where value-add meets strong rents — the West Valley, Tucson, and Phoenix workforce corridors. Fund the buy and 100% of rehab, rent it, then refinance into a 30- or 40-year DSCR loan and repeat.
The exit is where Arizona BRRRR gets easy. After the rehab is done and a tenant is in place, roll out of the flip loan into an easy 30- or 40-year amortized DSCR loan — no income docs, tax returns, or W2s. Because we underwrite the property’s cash flow rather than your paystubs, self-employed investors and those with many mortgages refinance without friction.
Where BRRRR pencils best in Arizona
- Tucson — accessible bases with steady university and workforce demand.
- West Valley — Glendale and Avondale reposition-to-rent.
- Casa Grande & Maricopa — exurban cash-flow growth.
Best Arizona neighborhoods for investment loans
Every Arizona metro has pockets where flips and rentals pencil. These are the corridors Arizona investors target most for value-add and reposition-to-rent (always confirm current comps):
Metro Phoenix
Maryvale, Alhambra, South Phoenix and central corridors for cosmetic-to-moderate value-add.
East Valley
Mesa, Tempe, Chandler and Gilbert for higher-basis flips with deep buyer demand.
West Valley
Glendale, Peoria, Avondale and Surprise for accessible bases and new-build reposition.
Tucson
University- and midtown-adjacent value-add at lower price points.
Prescott & Flagstaff
Higher-elevation second-home and STR markets.
Pinal County
Casa Grande and Maricopa for fast-growing exurban plays.
Best Arizona areas to buy vacation & short-term rentals
Arizona’s resort and outdoor markets reward renovate-to-short-term-rental strategies (verify local STR rules):
- Scottsdale & Old Town — premium resort and event-driven STR demand.
- Sedona & Flagstaff — red-rock and mountain tourism rentals.
- Lake Havasu & Tucson — snowbird and lake-recreation demand.
Up-and-coming Arizona markets to watch in 2026
Beyond the established metros, these Arizona markets are drawing investor attention for affordability, growth, and room to force value:
West Valley
Buckeye and Surprise ride some of the nation’s fastest growth.
Casa Grande
I-10 corridor between Phoenix and Tucson.
Maryvale
Central-Phoenix affordability and upside.
Tucson
Steady value at lower bases.
Maricopa
Fast-growing Pinal County suburb.
Prescott Valley
Northern-Arizona commuter growth.
Arizona investment market at a glance (2026)
Representative 2026 indicators for underwriting context — confirm current figures per deal:
- In-migration: Phoenix remains a top U.S. destination for movers and employers.
- Value-add stock: a huge inventory of dated block-and-stucco homes suits cosmetic-to-moderate rehab.
- Rental demand: strong household formation keeps occupancy high across the Valley.
- Resort STR: Scottsdale and Sedona sustain high short-term-rental revenue.
- Coverage: all 15 Arizona counties.
CambridgeHomeLoan vs. typical Arizona fix & flip lenders
| Feature | CambridgeHomeLoan | Typical Arizona flip lenders |
|---|---|---|
| Purchase leverage | Up to 95% LTC | 80-90% |
| Rehab funding | 100% of rehab | Often 90-100%, capped |
| Rates from | 8.90% (STC), 1-3 points | ~10-12%+, 2-4 points |
| Min FICO | From 620 | Often 660-680+ |
| Property types | 1-4, 5+ MF, mixed-use, STR, commercial | Often 1-4 only |
| Exit support | In-house 30/40-yr DSCR refi | Flip-only |
| Funding speed | As fast as 5-10 days | 2-3+ weeks |
“Typical” reflects terms commonly advertised across the fix and flip market as of 2026, subject to change — general ranges, not the terms of any single lender.
Ready to fund your next Arizona flip or BRRRR?
Up to 95% LTC + 100% of rehab, rates from 8.90%, 6-24 month terms, and an easy 30/40-year DSCR exit with no income docs, tax returns, or W2s. First-time investors and foreign nationals welcome — no maximum number of properties.
Apply Now — Get Your Term Sheet → Call (800) 826-5077Arizona fix & flip requirements
| Down / equity | As little as 5% of purchase at up to 95% LTC |
| Rehab | 100% financed, reimbursed by inspected draws |
| Credit | FICO from 620 |
| Experience | First-time and experienced investors welcome |
| Income docs | None — asset-based, business-purpose only |
| Borrower | No maximum number of properties · LLC, first-time investors & foreign nationals OK |
| Exit | Sale, or easy 30- or 40-year DSCR refinance — no income docs, tax returns, or W2s |
Related Arizona investor loans
A fix and flip loan is one tool — pair it with the right acquisition or exit program:
Hard Money Loans Arizona
Fast asset-based capital for any Arizona investment purchase.
Bridge Loans Arizona
Bridge the gap between buying and your sale or refinance.
BRRRR Loans
The full buy-rehab-rent-refinance-repeat program.
DSCR Loans
30- or 40-year rental refinance to complete your BRRRR exit.
Multifamily Loans
5+ unit value-add and reposition financing.
New Construction
Ground-up investor construction across Arizona.
Fix and flip loans by Arizona city
Explore city-level programs, neighborhoods, and local deal examples:
Arizona fix and flip loan FAQ
How much do I need to put down on a Arizona fix and flip?
As little as 5% of the purchase price. We fund up to 95% of purchase and 100% of rehab, as long as the total stays within roughly 70-75% of the after-repair value (ARV).
Do you really finance 100% of the rehab?
Yes. Rehab is funded in full and reimbursed through inspected draws as the work is completed.
What credit score do I need?
FICO from 620. Stronger credit and flip experience can improve your rate, leverage, and points.
Do you fund Scottsdale and Sedona short-term rentals?
Yes — we fund renovate-to-STR projects across Arizona’s resort markets, then help you exit to a DSCR loan on the stabilized rental.
Which Arizona markets do you cover?
Metro Phoenix, the East and West Valleys, Tucson, Prescott, Flagstaff and every county statewide.
Can I keep the property as a BRRRR instead of selling?
Yes. When the rehab is done and the property is rented, do an easy refinance into a 30- or 40-year amortized DSCR loan with no additional income docs, tax returns, or W2s required, then repeat. The loan qualifies on the property’s rent, not your personal income.
How fast can you close in Arizona?
With a clean title and an appraisal ordered, many Arizona fix and flip loans close in as few as 5-10 days.
Apply for your Arizona fix and flip loan
Whether it’s your first flip or your fiftieth, get a fast, no-obligation quote. Fill out the 60-second form for a same-day term sheet — up to 95% LTC plus 100% of rehab, rates from 8.90%, 6-24 month terms, and an easy 30/40-year DSCR exit with no income docs. No maximum number of properties, so scale as fast as your deals close.
Get your same-day term sheet
Get Your Free Quote! No Credit Pull Required.
CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK. Business-purpose investment loans only. Rates, points, leverage, and terms are deal-dependent and subject to change.
Fix and flip loans are business-purpose, asset-based loans for real estate investment and are not offered for owner-occupied residences. Leverage (up to 95% of purchase and 100% of rehab) is subject to a maximum loan-to-ARV, appraisal, credit (FICO from 620), and underwriting. Calculators are illustrative only and not a commitment to lend.
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