ClickCease
Skip to main content Scroll Top
Call Us 24/7 to Get Started:
(480) 999-6183
Get Funded Today

Investment Property Loans & Financing

Secure fast, dependable investment property loans in Arizona from an experienced direct hard money lender. We provide asset-based financing for rental properties and real estate investments throughout Phoenix and statewide. With competitive rates, quick approvals, and decades of lending experience, we help investors close quickly and scale their portfolios. Get reliable Arizona hard money funding designed for serious real estate investors.

Request Funding

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
  • A Down Payment: This is usually the main requirement for a hard money loan. Overall, a hard money lender will require a significant down payment in the 25 to 30 percent range or sufficient equity in the property if the loan will be a refinance.
  • Borrower’s Finances: The borrowers should be able to prove they have the necessary funds for the costs associated with monthly loan payments, taxes, insurance, and other holding costs for the investment property..
  • Rental Income: The hard money lender will want to be certain that the property’s rental income will cover, or at least come close to meeting the monthly payment for the financial obligation.
  • Proof of an Exit Strategy: Hard money investment property loans are short-term and are given for up to 3 or 4 years. The lender will need to know that the real estate investor’s exit plan strategy is solid, whether they plan to sell, refinance or pay off the investment from other sources.
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
Excellent
Hard Money Lenders Arizona4.8
Based on 236 reviews
See all reviews
Rick S.
6 days ago
Tony Orow was excellent to work with. I had years of construction experience but was just starting my own company, and he helped me secure 100% construction financing on a difficult loan. He was patient, responsive, respectful, and always had my best interests in mind. I would absolutely recommend Tony and plan to continue working with him for years to come.
Response from the owner:Thank you, Rick, for the glowing review. We are thrilled Tony was able to help you secure construction financing and that his patience, responsiveness, and respect made the process easier. Congratulations on starting your company, and we truly appreciate your recommendation. We look forward to continuing to support you in the years ahead.
Amy
6 days ago
We had such a great experience working with this company. Everyone we interacted with was professional, helpful, and genuinely easy to work with, which made the entire process feel smooth and straightforward. Tony Orow in particular was fantastic. He was incredibly helpful, knowledgeable, and always willing to go the extra mile to make sure everything was taken care of. We really appreciated his communication and the way he made us feel like we were in good hands throughout the process. We would absolutely recommend this company, and especially Tony, to anyone looking for a great lending team.
Response from the owner:Thank you so much for your kind words, Amy. We are thrilled to hear that Tony and the team made the process smooth and that his communication and dedication stood out. We will be sure to share your praise with Tony and the rest of the team. We appreciate your recommendation and are glad you felt in good hands throughout the process.
Michael L.
2 weeks ago
Michael took great care of my loan. having him do 2 more as we speak. very responsive. amazing team
Response from the owner:Thank you Michael for the fantastic review. We're thrilled our team was responsive and took great care of your loan, and we appreciate you trusting us with two more. We'll share your praise with the team and look forward to continuing to support you.
david R.
3 months ago
Michael understands how to get deals done. He has been an amazing resource and helped through both good and bad times. When I first started working with him 5 years ago, he was a lender. Now he is a trusted partner and friend. You will never do better than Michael
Response from the owner:David, thank you for the kind words and the five-star review. I’m grateful for your trust over the past five years and honored to have been part of both the wins and the challenges. Building lasting partnerships and being a dependable resource is exactly what I aim for. I look forward to continuing to support you and helping get deals done.
Moe H.
3 months ago
Michael is an absolute beast when it comes to getting deals done. We needed an assist on a big deal and he executed flawlessly. 5 business day close. Can’t beat that!
Response from the owner:Moe, thank you for the fantastic review. We’re thrilled Michael could step in and execute a flawless five-business-day close. We’ll pass your praise along to him. We appreciate your trust and look forward to helping on future deals.
Austin L.
3 months ago
Over the course of roughly 6 months, we searched high and low for different lenders with unfilled promises and costly delays UNTIL we found Michael and his team. This experience was dramatically different than any other we had previously had, in the best way! These guys are prompt, Move quickly and genuinely Have your best interest in mind. We are tremendously grateful for the support they provided.
Response from the owner:Thank you, Austin, for the fantastic 5-star review. We're so glad Michael and the team could provide the prompt, trustworthy service you were looking for after a difficult search. Hearing that our support made a real difference means a lot to us. Please reach out anytime if you need anything else.
Curtis H.
3 months ago
MICHAEL did an amazing job of helping my client basically save her from foreclosure by enabling her to reset her inherited home. A complex situation made easy. So appreciative!
Response from the owner:Thank you, Curtis, for the wonderful review. We’re thrilled Michael could help your client avoid foreclosure and navigate the inherited-home reset. We appreciate your trust and are grateful for the opportunity to assist in such a complex situation. Please let us know if we can help with anything else or future referrals.
Chris A.
3 months ago
Michael was great to work with. Lightning fast response and action to ultimately get the deal done! Very responsive and sharp! Sent him a deal right around the holidays when things were hectic and he still executed to get the deal done within the timeframe!
Response from the owner:Thanks so much for the kind words, Chris. We're thrilled Michael was able to respond quickly and close the deal even during the busy holiday period. We appreciate you trusting us with the opportunity and will pass your feedback along to Michael. Looking forward to working together again.
melamed K.
6 months ago
Jerry B.
8 months ago
Top-tier service from Michale and his team, fast approval, and no surprises. Couldn’t have asked for a better lending partner.
STEVE A.
12 months ago
What an impressive group of professionals! Thanks to this team, I have the working capital needed to grow my business.
Response from the owner:Thank you for your kind words, Steve! We're thrilled to hear that our team has been able to support your business growth. Your success is our priority, and we appreciate your trust in us. Looking forward to continuing our partnership!
Cherraine A.
12 months ago
I cannot say enough how much I appreciate Michael and his team for making the process seamless. I would definitely recommend them to get the job done!
Response from the owner:Thank you so much for your kind words, Cherraine! We're thrilled to hear that you found the process seamless and that Michael and the team met your expectations. Your recommendation means a lot to us, and we look forward to serving you again in the future.
Safinaz
12 months ago
Ashleigh was amazing! She helped me every step of the way and kept me informed of what was happening throughout the entire process. She worked very hard on my loan and made sure she made it happen! She's very professional and a pleasure to work with. I highly recommend Ashleigh at Hard Money Lenders Arizona!
Response from the owner:Thank you for your wonderful feedback! We're thrilled to hear that Ashleigh provided you with exceptional service and support throughout your loan process. Your recommendation means a lot to us, and we're proud to have team members like Ashleigh who are dedicated to their clients. We look forward to assisting you again in the future!
Maimar S.
12 months ago
Great service; definitely won me over and will be a returning customer. Ash Sesi helped with my loan fast and efficiently. Thank you Ash!!!
Response from the owner:We're thrilled to hear about your positive experience! Thank you for your kind words and for recognizing Ash Sesi's efforts. We're looking forward to serving you again in the future! Your satisfaction means a lot to us.
Karen W.
12 months ago
MJI Capital does a great job for their clients.
Response from the owner:Thank you, Karen, for your wonderful feedback! We're thrilled to hear that you're satisfied with our services at MJI Capital. We always strive to provide excellent support to our clients. Your kind words motivate us to keep up the great work. We look forward to continuing to serve you!
Sterling Gatewood I.
12 months ago
This hard lender was very easy to work with. My deal was extremely difficult to fund and they were able to get me an approval in 24 hours and were ready to close in less than 7 days. I will be using them in the future.
Response from the owner:Thank you for your fantastic review, Sterling! We're thrilled to hear that you had a positive experience with our team and that we could help you secure funding so quickly. Your satisfaction is our top priority, and we look forward to working with you on future deals. Your trust in us means a lot!
Ann M.
1 year ago
Response from the owner:Thank you for the fantastic five-star rating! We're thrilled to see that you had a great experience. Your support means a lot to us, and we look forward to serving you again soon.
ASHLEIGH S.
1 year ago
Response from the owner:Thank you for your 5-star rating! We appreciate your support and look forward to serving you again.
Michael H.
1 year ago
5 Stars – The Best in the Business! Michael Iucalano at Hard Money Lenders Arizona is hands down the best in the business. His slogan, “If We Can’t Do It, It’s Not Getting Done!” couldn’t be more accurate. Michael has built an incredible team of true professionals who are experts in their field. What sets them apart is their obsession with speed, customer service, and delivering exactly what they promise. In a world where timing and trust matter, Michael and his team never miss. They make the process seamless, transparent, and fast—just what you need in the hard money space. If you’re looking for a go-to team for hard money in Arizona, look no further. Michael Iucalano and his team are the real deal. Highly recommend! Thanks Michael and team!
Response from the owner:Thank you for your fantastic review, Michael! We're thrilled to hear that you had such a positive experience with Michael Iucalano and our team at Hard Money Lenders Arizona. Your recognition of our commitment to speed, customer service, and reliability means a lot to us. We strive to make the process as seamless as possible, and we're glad we could meet your expectations. We truly appreciate your recommendation and look forward to serving you again in the future!
Luis R.
1 year ago
Matt was awesome , From the beginning to the End. Great customer service . 100 percent recommend.
Response from the owner:Thank you for your wonderful feedback, Luis! We're thrilled to hear that Matt provided you with excellent service throughout your experience. Your recommendation means a lot to us, and we look forward to serving you again in the future.
Kc M.
1 year ago
Austin is the best! Got my deal done fast and efficient. I’m a former tv personality from the hit tv series Gold Rush and now i traded in my pick to be a home flipper. Austin with Barrett made it possible.
Response from the owner:Thank you for your fantastic review! We're thrilled to hear that Austin provided you with fast and efficient service. It's great to see you transitioning from TV to home flipping, and we're glad we could assist you in that journey. Your success is our priority, and we look forward to supporting you in the future!
Mark R.
1 year ago
Michael and Austin did a fantastic job. It was the easiest loan I ever received. These guys truly know this market. They are awesome!! Pinnacle tax Services, LLC
Response from the owner:We greatly appreciate your positive feedback, Mark! We're thrilled to hear that Michael and Austin made your loan experience seamless and efficient. Our team's knowledge of the market is something we take pride in, and it's wonderful to know it made a difference for you. Thank you for choosing Pinnacle Tax Services, LLC!
Jason P.
1 year ago
I've been in this business for 25 years, and I can tell you Michael is one of the best when it comes to all things real estate. Whether it's traditional lending, hard money, or investment, he's got you covered.
Response from the owner:Thank you so much for your kind words, Jason. We truly appreciate your recognition of Michael's expertise in real estate. It's always our goal to provide the best service possible, and we’re thrilled to hear that you had such a positive experience. Your support and trust in us mean a lot.
Leonel C.
2 years ago
It was great working with Austin. He’s a great communicating and a very diligent worker. I would use him again.
Response from the owner:Thank you for your positive review, Leonel! We're glad to hear that Austin made your experience great with his communication and diligence. We look forward to working with you again!
Giselle R.
2 years ago
Michael and his team completed our deal incredibly quickly. We are extremely satisfied with the service they provided and highly recommend them!
Response from the owner:Thank you for your wonderful feedback, Giselle! We're thrilled to hear that you were satisfied with our team's quick service. Your recommendation means a lot to us, and we look forward to assisting you again in the future!

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.

Get Funded Today, Call Now