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Investment Property Loans & Financing

Hard Money Lenders Arizona is an experienced investment property lender who provides investment property loans in Arizona. If you need fast, reliable funding, we provide investment property financing to real estate investors. Based in Phoenix, Arizona, Hard Money Lenders Arizona offers real estate investment loans throughout Arizona, and we have over 37 years of experience in the field.

Experienced, Direct Hard Money Lenders for Rental Properties

At Hard Money Lenders Arizona we provide fast approvals, competitive rates and excellent customer service. We have proven time and again to be one of the most reliable and experienced sources of hard money investment property loans in Arizona. We have the capital, experience, and expertise you need to get your loan quickly funded. We are a direct hard money lender serving Arizona and our funding is fast and easy.

Get Funded Today

If you prefer to email us, fill out the form below and an associate will contact you to review the loan scenario and provide a quote.

Investment Property Financing

We understand real estate investor’s needs and, therefore, make our loan applications fast and easy so you can get your money when you need it. We know that real estate investors prefer financing investment property with hard money lenders because we require less paperwork, resulting in faster approvals and funding, especially compared to traditional loans that banks and credit unions offer. In addition, we have fewer requirements as we are not asset-based lenders.

Investment Property Loan Interest Rates

Rates for investment property loans vary based on the variables of the loan scenario. These include the loan value, length of the loan, the location and condition of the property, and the overall perceived risk of the investment. Hard money loans typically have higher interest rates than traditional loans because conventional lenders focus on owner occupied home mortgages and do not provide financing for investment property loans. Hard money investment property loan rates in Arizona may be lower than in other states. In fact, Arizona hard money lenders create enough competition to keep the rates lower than in many other areas of the United States.

Investment Property Loan Requirements

Generally speaking, hard money lenders in Arizona require few loan requirements when compared to traditional lenders. Some of these requirements include:

HMLAZ
Contact Hard Money Lenders Arizona anytime, to speak with one of our very helpful and highly knowledgeable loan specialists about your property investment funding in Arizona
Hard Money Lenders ArizonaExcellentHard Money Lenders Arizona4.9 Based on 202 reviews fromSee all reviewsRyan M.Ryan M. ★★★★★ Michael is a winner! Work with him and he’ll for sure do his best to help you and your client close no matter how harsh circumstance becomes. My client now gets to keep his home because of a HardMoney loan. On to the next deal!Response from the ownerThank you Ryan. Was a fun one to work on and I appreciate you thinking of me! Brett H.Brett H. ★★★★★ Amazing Experience w/ Michael. Very professional Speedy & detailed. Delivered on time & was very great with communication and process.Response from the ownerThank you Brett! Can't wait to do more deals with you!! Sean C.Sean C. ★★★★★ I had the pleasure of working with Michael to secure a loan for our home. He was able to gather our information, and close, record, and fund the loan within 10 days! the process was the least painful loan process I've experienced. The timing was perfect, we needed the good news and the great experience. Thanks again Michael we really appreciate it.Response from the ownerSean, thank you so juch!! Was a true pleasure to work with you. You made me look good! Looking forward to working with you again!!! John B.John B. ★★★★★ Michael is a pleasure to work with. He strives to make sure every aspect of the lending process is made clear and works hard to make sure things get taken care of ASAP.Taylor S.Taylor S. ★★★★★ Michael gets it done! If there is a deal that has any obstacles, like one I was recently working, Michael is a true deal saver. Highly recommend.Response from the ownerThank you Talyor! This will be the first of many to come! Levi D.Levi D. ★★★★★ Absolutely the best lender I have worked with thus far. Straightforward, efficient and personable. I will only be using this lender from now on!Response from the ownerThank you so so much. It was great meeting with you and I hope this is the first of many deals we do together!! Emily M.Emily M. ★★★★★ We had a wonderful experience with Michael Iuculano. The process for our loan was only about 2 weeks start to finish. They found us the perfect lender for our project with terms that were agreeable to all parties. He was super responsive to all of our questions and understood what we needed from the beginning. We will definitely be working with him again!Response from the ownerEmily, thank you so much to you and Luke. I am ecstatic to have been able to do this deal for you and very much looking forward to being your go to Guy!! Justin B.Justin B. ★★★★★ Quick and responsive! Definitely educated me on what I needed to make things happen! Thank You Guys!Response from the ownerJustin, very much appreciated! Thank you and looking forward to working with you again! Jacque M.Jacque M. ★★★★★ Michael was amazing! He closed my transaction in three and a half weeks without any hiccups. Diane Chamberlin, his assistant, was also extremely helpful and expedited the process. I would highly recommend!Response from the ownerThank you Jacque, it was a pleasure working with you and glad to have been able to help! Greg L.Greg L. ★★★★★ Easy process and quick turnaround. Mike and his team made it easy.Response from the ownerGreg, Thank you so much for the opportunity to help your clients! We look forward to working with you again soon! Osiel A.Osiel A. ★★★★★ Tim D.Tim D. ★★★★★ All I have to say is that Mike is well known and I’ve worked with him in the past, as well. He will get it done. In this case we had 48 hours. He got it out and signed in 24 hours, from the time I brought it to him. Saved customers house. Fantastic job, Mike.Response from the ownerTim, we appreciate working with you again and as always. You made it very easy and we are delighted with the result! David R.David R. ★★★★★ I read Michael's ad in a home buying magazine and after having two other loan "order takers" just give up, I decided to give him a call. Best thing I could have done. Working with Michael is such a great relief because he gets that not every loan is some "cookie cutter, fit the formula" type of transaction. He takes the time to ask questions and find out what the goal of the loan is. In my case it was to unlock equity in other properties so I could better leverage my rentals. Michael had the knowledge and contacts to get my loan completed, and offered a few different solutions .Michael's assistant Lara made sure everything got done right, and on time. She is great to work with, and responded quickly to any question I had. Together they make a great team and I look forward to working with them in the future.Response from the ownerDavid, thank you so much for your reply. We loved working with you and you were extremely prompt and responsive so it's certainly made it easier and faster. We are looking forward to working with you again soon! Sean M.Sean M. ★★★★★ Michael Luculano and his team are nothing short of miracle workers in making a complex deal easy.My wife and I were recently visiting Scottsdale for her birthday and had decided to look at a few homes. Nothing immediate, just getting ideas for the future. Then on the last day we run into the perfect new construction home, only problem is we weren't prepared to buy. Most of our long-term funding was tied up in our home back in Oregon and to complicate things further, the seller had another cash offer on the table and a ridiculously fast 3 week closing requirement to secure the property.So, we took a leap of faith and called Hard Money Lenders with Barrett Financial and got Michael on the phone. That quickly took us from an impossible deal to closing on our new home in record time. Michael clearly communicated all the terms and numbers up front. And being such a rapid deal with a large amount of escrow on the line, he personally checked in with us daily.We have worked with a lot of great people in the real estate and mortgage industries for over 30 years and have to say that Michael is one of the top professionals we have ever met. A true expert in mortgage and bridge loans / private lending. Even better, it was clear to us every day that Michael truly cares about his clients. Best phone call we could have ever made.Thank you, Michael and Lara, for helping us make this North Scottsdale dream a reality!Response from the ownerSean, it was an honor to get the opportunity to work with you. I take my clients very seriously and it was awesome to work with you on this and earn the right to share in your joy. You were very responsive to all my calls and you were definitely a contributor in the outcome. I appreciate this opportunity immensely and welcome to Arizona! Steven S.Steven S. ★★★★★ I had a great experience working with Michael. He was quick, communicative, and professional. The whole process was easy and I got my funding very fast.Response from the ownerSteven, we appreciate you so much. You were amazing to work with and super responsive. Thank you so much for the business and the trust! We look forward to working with you again soon! Cindy D.Cindy D. ★★★★★ Excellent service! Michael was able to close our loan at a lower interest rate than originally quoted, as an added benefit to the already pleasant experience of working with Michael & his team. We closed ahead of time, no suprises, no drama, just positive results. The professional, dedicated staff was impressive as well. For positive results, this should be your mortgage choice.Response from the ownerCindy, it was an absolute pleasure to work with you and you certainly made it easier by being so thorough. Thank you so much and we hope to work with you again soon! Darlene L.Darlene L. ★★★★★ Mike was so very helpful in getting a loan for my new house! THANK YOU!saleh abd al H.saleh abd al H. ★★★★★ Michael, thank you so much you made this process so easy, I really appreciate it so muchSaleh.wyatt A.wyatt A. ★★★★★ Recently used Mike for an investment purchase. Everything went smoothly. All fees were disclosed up front and matched at closing. Definitely using them again!John H.John H. ★★★★★ Micheal my guy straight handled business in a timely fashion I like to say thanks to you and your staff . Highly recommendSabria W.Sabria W. ★★★★★ Pleasant experience very professional and simply gets the job done, I look foward to our next deal.D ND N ★★★★★ Awesome lender that made things really simple to work with. Went above and beyond to get us a higher LTV than most of the other well-known lenders and had a quick close. Highly recommend using them!Steven R.Steven R. ★★★★★ Working with Michael was an absolute pleasure. I have done a lot of real estate transactions over the years and appreciate it when someone cares about their customer and getting the deal done on time and at the terms I was quoted. There are many bait and switch lenders out there but Michael and his team were always available when I had a question and when a potential issue popped up he was on it even while on vacation to get it resolved. That’s the type of service I expect and appreciate. Highly recommend if you’re looking to finance a deal.StevenErnest K.Ernest K. ★★★★★ Pablo R.Pablo R. ★★★★★ Michael and Lara were so easy and amazing to work with. On top of that, Michael really values relationships and will make sure what he says is delivered. Anyone looking for a hard money team, THIS IS THE ONE!!Celly D.Celly D. ★★★★★ Michael and his team were very professional and extremely proficient and were able to find a solution for my client when no other lender could not! Highly recommend him!!Jean P.Jean P. ★★★★★ Michael provided excellent customer service. I would recommend him to anyone. Thanks for your help and fast prompt service.H R.H R. ★★★★★ Mike and his team are fantastic! Helped save a deal from falling out.JOE D.JOE D. ★★★★★ Made loan easy. I love itDeborah R.Deborah R. ★★★★★ Michael and his team are amazing. I want to tell you that you cannot find a better broker who has the patience of a goat. Michael works tirelessly for his clients. I thought I was getting on his nerves but he is a seasoned professional and got the deal done. He is super fast 48 hours and it was done. He's simply the best. If you go anywhere else the experience will not be the same because Michael is compassionate. Thank you.Javier. G.Javier. G. ★★★★★ Mike was amazing. Super easy to work with. I am going to use them for all my future projects.Daniel F.Daniel F. ★★★★★ Great experience! Very fast and professional. Thank you, Michael!Khalid M.Khalid M. ★★★★★ Michael got my loan done in the agreed upon time despite us encountering some hiccups along the way. Stayed in touch and didn’t let me feel uneasy through the entirety of the loan process. If you need something done quickly. Call Michael.Christy C.Christy C. ★★★★★ Michael and his team were so great to work with. He was so genuine and easy to communicate with! He helped us navigate our first hard money loan from start to finish. The closing was very fast & efficient - they were able to get it done in 9 days. We couldn’t have asked for a smoother process or better people!! Thank you again!Robert W.Robert W. ★★★★★ Mike was outstanding, exceeded my expectations with price, terms and timing…. As a seasoned finance & real estate professional that’s SUPER critical of lenders, I couldn’t have asked for a better experience!Chad W.Chad W. ★★★★★ Michael was fantastic to work with to get a touch deal done on a tight deadline. He was quick, responsive, and he ultimately delivered for us. I’d highly recommend you reach out to Michael for all your alternative financing needs!Phillip C.Phillip C. ★★★★★ Reached out to Michael to discuss my situation received prompt and professional advice and guidance. Loan process was quick and easy closed in a few days. I would recommend Hard Money Lenders when you need a helping hand.Ryan R.Ryan R. ★★★★★ Great people to work with. Michael made the process very easy. I needed to close in just a few days and they made that happen. Will work with them again for sure!!Carmen S Renteria TruVision G.Carmen S Renteria TruVision G. ★★★★★ Michael was amazing and definitely saved my deal meeting a very short deadline we had! He offers a very simplified and efficient loan process.All while being prompt and having excellent communication from beginning to end!Stacey R.Stacey R. ★★★★★ Michael was easy to work with. His office was professional and very fast. I highly recommend him.mike G.mike G. ★★★★★ Hello I just closed my deal today and working with Mike has been great , the process flowed just like Mike said it would and it was completed in the timeframe that Mike projected , you are in good hands with Mikekara I.kara I. ★★★★★ Michael at Hard Money Lenders Arizona is beyond AMAZING! He took on my financial circus and worked beyond what he needed too get the job done! After many refi attempts and told NO… He made it happen. I am so beyond thankful that he was able to work with me and get my refi done. I look forward to working with him in the future. If you have a need and unconventional circumstances, when one door closes… Michael opens the Door!Jussara S.Jussara S. ★★★★★ Michael was fantastic to work with throughout the entire process. He was always available for questions and kept me informed through key milestones. Looking forward to many more projects with Michael’s guidance and expertise.K D.K D. ★★★★☆ Michael walked me through the process by email and texting , and some phone calls. He helped me a lot when we hit a snag or two and made sure the loan closed without issue.Jenn H.Jenn H. ★★★★★ I reached out to Michael and Barrett Financial to see if there was anything he could do to help with a refinance with cash out despite less than stellar credit. Michael was amazing. He was able to answer all questions, got us an amazing loan with cash back to clear our 80% of our debt, and despite a few delays in closing we closed in under a month. I would highly recommend Michael for anyone looking for a loan who might have a few blemishes.Sonda H.Sonda H. ★★★★★ Barrett Financial got our deal done when no one else could. It was a complicated transaction with a new home builder who wasn’t familiar with creative types of funding so that was an issue. I can’t say enough about Michael & Nicole for their efforts to get this done. I’m a Realtor and this is by far one of the most complicated transactions I’ve ever undertaken. Quite frankly, I wasn’t even sure if it could even be done, but Barrett said it could, and it was! It wasn’t easy by no means and I may have had a few mini heart attacks throughout the process but thankful we were able to get it done!Ian A.Ian A. ★★★★★ Working with Michael was a breeze! He got everything arranged and all the paperwork together and a better deal than even projected when all the documents were signed. Highly recommend working with him and his team!Shawn C.Shawn C. ★★★★★ I was looking for a cash lender so that my offer to a buyer would be more competitive. I was able to make a cash offer (important in this market) and got the contract. This team supplied the funding quickly and with limited paperwork. I was able to close in two weeks. They did a great job. Thank you.Melvin N.Melvin N. ★★★★★ This was an awesome and smooth experience. I’ve done many real estate deals and this one was the fastest and smoothest. Michael was great. I would definitely use them againpatrick S.patrick S. ★★★★★ Wow, Michael and his team were amazing. I bid on an investment property and had 8 days to close. 48 before closing my hard money lender said my LLC had to be registered in california and if we didn’t close in time we’d lose our deposit. I didn’t want to put it in my personal name due to liability and taxes, but Michael was able to step in and get absolutely everything done and ready to fund by the next day. From application to funding was the fastest I’ve seen. The rate I wasn’t thrilled about, but the customer service, communication, and execution were so good that I’d gladly pay an extra 1% to work with them again. I couldn’t recommend this team enough for being able to do things others couldn’t in tight timeframesjs_loader

Hard Money Investment Property Loans & Quick Closings

When you work with a reputable hard money lender, you can fund an investment property in a little as 3 to 5 days. In most cases, real estate investors opt for hard money loans to quickly buy a property that has become available. After securing a hard money loan, the borrower can then refinance for a longer loan term with a lower interest rate. This is particularly important when there are many real estate investors bidding on the same property. Furthermore, sellers are more likely to accept and offer from a real estate investor who has secured a hard money loan rather than a conventional loan. These experienced sellers understand that hard money lenders can approve a loan much faster than a traditional lender and with fewer issues. In some cases, a seller may even take a lower bid because they know that the escrow time will be much shorter, and they can sell their property quickly.

Rental Property Loans & Financing

Purchasing rental property is an extremely popular real estate investment strategy. In fact, real estate investors purchase these types of properties to be rented out to tenants for more than the monthly liabilities (principal, interest, taxes, insurance). In an ideal situation, the property owner will receive positive cash flow right from the beginning, although this is not always the case. Another plus is that the real estate investor will depend on the property appreciating over time and take advantage of tax benefits to maximize their profits.

Rental Properties & Hard Money Lenders

Hard money lenders are available for borrowers who want to quickly secure a loan to buy a property. In some cases, these loans are approved the same day and the funding received in just a few days. Once the loan is secured and the rental property purchased, the borrower can then start shopping around for a long-term conventional loan with a lower interest rate. In other cases, borrowers seek out hard money lenders when they are denied by a conventional lender like a bank or credit union. There are many reasons a conventional lender may deny a loan, including poor credit, too many existing conventional loans, a recent bankruptcy, or a short sale. On the other hand, hard money lenders focus primarily on the value of the property and the borrower’s equity in the property, including the down payment. This focus on value and equity allows hard money lenders to overlook poor credit and other factors that banks and credit unions focus on.

Rental Property Financing Requirements for Hard Money Lenders

When seeking a hard money loan for a rental property investment, the borrower will need at least a down payment of 25 percent since 100 percent financing is not available from hard money lenders. Rental property hard money loans are generally easy to get provided the borrower has enough to cover the down payment and the property’s holding costs.
Also, if a real estate investor has sufficient equity in another property but does not have enough cash for a down payment, the real estate investor may be able to take out a cash out refinance loan in order to raise the funds for the down payment on the new rental property purchase. The lender will also want to see that the investor has enough cash reserves available to deal with potential tenant vacancies, repairs and any other unforeseen issues.
Rental property loans from hard money lenders are not typically short-term loans. The longest terms available are usually 3 to 4 years. Hard money loans for rental properties are often amortized over 30 years but a balloon payment will be due after the agreed upon term. The lender will want to know the real estate investor’s intended exit strategy upfront to understand how the borrower will repay the rental property loan. The exit strategy may involve refinancing the rental property loan into a long-term conventional loan or selling the property for a profit.

Real Estate Investment Loans

Hard Money Lenders Arizona provides a wide variety of real estate investment loans to real estate investors in Arizona. Other popular real estate investment loans include investment property refinance loans and investment property rehab loans.

Investment Property Rehab Loans

Also known as fix and flip loans, investment property rehab loans are available for real estate investors who wish to purchase a property and make repairs and improvements quickly, then sell the property for a profit. Rehab loans for investment property gives the real estate investor a short-term loan with the funds they need to purchase the property and in some cases also provide a portion of the funds for the rehab costs. Rehab loans for investors are often in high demand during a strong real estate market as many real estate investors seek to take advantage of appreciating real estate prices. Fix and hold loans are also available to investors in Arizona who wish to purchase a property in need of rehab, make improvements and then rent out the property. An investment property rehab loan would typically have a 12-month loan term while a fix and hold loan would have a loan term closer to 3 years.

Investment Property Refinance Loans

Hard Money Lenders Arizona is able to help real estate investors refinance investment property in Arizona. These refinance loans are common for real estate investors who currently own investment property with sufficient equity. Hard Money Lenders Arizona offers both refinance loans for investment property and cash out refinance investment property loans. A refinance loan gives the borrower a lower interest rate and longer term if the loan is due soon. With a cash out refinance loan, the borrower can quickly pull equity from the existing property in order to reinvest in another property.

Google Rating
4.9
Based on 202 reviews
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