Hard Money Loans Chandler, Arizona
Finance a Chandler flip, value-add, or rental project on the deal — not your income. Chandler is an East Valley tech hub with strong family and professional demand.
- Asset-based — we lend on the deal, not your income or tax returns
- Up to 95% LTC · 90% of purchase · 100% of rehab
- Downtown Chandler value-add and Ocotillo premium reno.
- SF, 2–150 unit, multifamily, mixed-use, industrial, commercial & ground-up
- Interest-only or 30–40 yr amortized options · close in as few as 5 days
Get Your Free Quote! No Credit Pull Required.
Chandler Hard Money Loans — Key Facts (2026)
- What it is: A fast, asset-based loan secured by the property — funded on the deal, not your personal income.
- Best for: Value-add flips, premium reno & rentals
- Leverage: Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV. Rates: from 7.875% · 1–3 points.
- Terms: Interest-only or 30–40 year amortization options. Funding: as fast as 5 days.
- Property types: SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial & ground-up construction.
- Lender: CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Hard Money in Chandler
What is a hard money loan in Chandler, Arizona?
A Chandler hard money loan is a fast, asset-based loan funded on the deal — purchase, rehab, and after-repair value (ARV) — not your tax returns. Chandler is a tech-driven East Valley suburb with strong professional and family demand. We lend up to 95% LTC, 90% of purchase, and 100% of rehab, with interest-only or 30-40 year amortization options so you can flip, build, or hold.
| Secured by | The property (asset-based) — no personal income used |
| Max leverage | Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV |
| Rates from | 7.875% (deal-dependent) · 1–3 points |
| Terms | Interest-only or 30–40 year amortization options |
| Funding speed | As fast as 5 days · rehab draws available |
| Property types | SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial, ground-up |
| Area | Maricopa County |
Eligible properties
Chandler hard money property types
We finance investment and business-purpose real estate across the board — residential, multi-family, and commercial, plus ground-up construction:
How we compare
CambridgeHomeLoan vs. Top National Hard Money Lenders
Chandler investors shop hard money on leverage, speed, and cost. Here is how our program stacks up against the terms commonly advertised by top national hard money lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Max LTC | Up to 95% | Typically 85–90% |
| Of purchase | Up to 90% | 80–85% |
| Of rehab | 100% | 100% (on draws) |
| Max ARV | Up to 75% | 65–70% |
| Rates from | 7.875% | ~9.5–12%+ |
| Amortization | IO or 30–40 yr options | Interest-only only |
| Funding speed | As fast as 5 days | 7–14 days |
| Model | Direct lender since 1998 | Broker or fund |
“Top national lenders” reflects terms commonly advertised across the hard money market as of July 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Chandler market data
Chandler fix & flip market at a glance (2026)
Representative 2026 market indicators for underwriting context — confirmed per deal by an as-is and ARV appraisal.
| Median sale price (2026) | about $500,000 |
| Typical flip margin | 15–20% of ARV |
| Avg days on market | about 40 days |
| Investor activity | High — premium reno & value-add |
| Insurance (holding) | Standard — low-humidity desert; minimal flood exposure |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Chandler neighborhoods
Where Chandler flips & BRRRRs pencil
Chandler value spans premium Ocotillo and Fulton Ranch, downtown value-add, and family suburban homes.
| Area | Typical price band (2026)* | Investor angle |
|---|---|---|
| Ocotillo | $550K–$1M | Premium renovations |
| Fulton Ranch | $600K–$1.1M | Waterfront reno |
| Sun Groves | $450K–$700K | Family flips |
| North Chandler | $450K–$650K | Value-add reno |
| Downtown Chandler | $400K–$650K | Value-add |
*Approximate 2026 ranges for illustration — verify current comps for the specific address (an ARV appraisal sets the value we lend against).
Free tool
Chandler fix & flip / hard money calculator
Enter your numbers and see your loan, cash to close, financing cost, and net profit instantly. We lend up to 95% of cost, 90% of purchase + 100% of rehab, and 75% of ARV — the calculator applies the lowest limit automatically. Illustrative only; final loan uses an as-is and ARV appraisal.
Your deal
Illustrative only; not a commitment to lend. Net profit assumes ~7% selling costs and excludes taxes, utilities, and some closing and holding costs. We confirm value with an appraisal.
Apply in minutes
Apply for your Chandler hard money loan
Same-day term sheet, no tax returns, and funding in as few as 5 days. Start your application below — or call (800) 826-5077.
Get Your Free Quote! No Credit Pull Required.
Worked example
A real Chandler hard money deal
A Ocotillo project bought at $410,000 with a $80,000 rehab (ARV $588,000): the binding limit sizes the loan to about $441,000; with 2 points (about $8,800) and about 8 months of interest at 9.49% (about $27,900), estimated cash to close is about $57,800. After about 7% selling costs (about $41,200), estimated net profit is about $20,100 — funded in as few as 5 days. Illustrative only; confirmed by an ARV appraisal.
Programs
Chandler hard money loan programs
| Fix & flip | Purchase + rehab; up to 95% LTC / 90% purchase / 100% rehab; draws |
| Ground-up construction | For builders & developers; land + vertical draws |
| Bridge | Fast close, reposition, or buy before you sell |
| 2–150 unit multifamily & commercial | Value-add, reposition & stabilize |
| Rental / DSCR exit | 30–40 yr amortized options; refinance to a long-term loan |
| Cash-out & auction | Pull equity fast; proof of funds for competitive buys |
Requirements
Chandler hard money requirements
| Down / skin in the deal | As little as 5–10% of cost at up to 95% LTC |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Experience | First-timers welcome; investors get higher leverage |
| Valuation | As-is + ARV appraisal; scope of work for rehab |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Exit | Sale (flip) or refinance to a 30–40 yr amortized / DSCR loan |
Answers
Chandler hard money loan FAQ
Why do investors buy in Chandler?
Intel and semiconductor employment, top schools, and high incomes keep Chandler resale values strong and days-on-market short.
What property types do you fund in Chandler?
We fund single family, 2-150 unit, multifamily, mixed-use, condos, industrial, commercial, and ground-up construction — any business-purpose investment property.
Can first-time investors get Chandler hard money?
Yes. It is deal-first — first-timers are welcome, and experienced investors qualify for higher leverage and faster closings.
Do you fund value-add and rentals in Chandler?
Yes. We fund value-add flips and BRRRR with 30-40 year amortized options to refinance into a long-term hold.
Keep exploring
Related Chandler & Arizona investor loans
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Hard money loans are business-purpose loans for non-owner-occupied investment properties only and are not available for primary residences. Rates, points, LTC, ARV, amortization, and terms 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. Values are estimates confirmed by an as-is and after-repair-value appraisal on your specific property. This page is informational and does not constitute financial, legal, tax, or investment advice.