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Private Lending in Arizona

Residential investment financing across Arizona’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.

Investing in Arizona

Arizona remains one of the nation's strongest real estate markets, fueled by population migration, tech sector growth in Phoenix, and sustained construction demand. The state's low income tax (3.55%), abundant land, and business-friendly regulatory environment attract national builders and institutional investors.

Phoenix dominates with a $425,000 median home price and robust new construction activity. Surrounding markets like Scottsdale, Tempe, and Gilbert offer diversified opportunities. The state's landlord-friendly laws and strong rental income make DSCR loans and fix-and-flip projects particularly competitive.

Arizona Markets We Serve

We lend across Arizona’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.

Phoenix Scottsdale Tempe Mesa Gilbert

Available in Arizona

Every loan program we offer is available to qualified borrowers and properties in Arizona.

Market Snapshot

Median Home Price
$425,000
Property Tax Rate
0.62%
Population Growth
1.8% annually
Annual Permits
~85,000 annually
Landlord Friendly
Yes
Top Yield Market
Phoenix

What Works in Arizona Right Now

New Construction Takeout Financing

Arizona's sustained permitting (85,000+ annually) creates continuous new construction opportunities. Finance builders from land acquisition through vertical construction and takeout into permanent financing.

Suburban Infill Fix & Flip

Phoenix suburbs offer lower acquisition costs and strong rental demand. Target 1980s–2000s homes with cosmetic and mechanical upgrades. 6–8 month holds with bridge financing generate 15–25% total returns.

DSCR Portfolio Scaling in Growth Corridors

Extend DSCR financing into Scottsdale, Tempe, and Gilbert for portfolio investors. Strong tenant demand and rising rents support higher leverage and longer hold periods.

Frequently Asked Questions

Does Arizona have rent control?
No. Arizona explicitly prohibits local rent control, giving investors unlimited pricing power. This creates strong DSCR financing opportunities with predictable rental growth.
What's the average construction timeline in Phoenix?
Single-family homes typically take 6–9 months from permitting to completion. Multi-unit and commercial projects extend 12–18 months. Permitting is relatively fast (2–4 weeks), and contractor availability is excellent.
Are there property tax benefits for long-term rentals?
Property taxes in Arizona are approximately 0.62% of assessed value. While not the lowest, they're competitive. No special tax abatement for rentals, but income-producing properties may offer depreciation benefits.
What laws protect landlords in Arizona?
Arizona has robust landlord-tenant law. Eviction proceedings typically conclude in 2–3 weeks. No just-cause eviction requirements or rent control. Landlords can raise rents freely and require market-rate deposits.

Also Lending In

Start Your Arizona Investment

Our team has deep experience financing residential projects across Arizona. Reach out to discuss your next deal.

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