Hard money lenders in Arizona

The Arizona market

Phoenix is a top-five flip market with heavy institutional buy-to-rent competition; margins are tighter than 2021 but velocity is high. Tucson offers lower price points and less competition. Build-to-rent and ADU construction are active.

Licensing

Arizona is strict: a mortgage banker or mortgage broker license is generally required to make or arrange loans secured by residential property, including business-purpose loans. Confirm the lender’s DIFI license number.

Usury and interest-rate rules

No usury ceiling applies when the rate is agreed in writing (a 10% default applies only if no rate is stated). Fees are likewise unrestricted on business loans.

Foreclosure and lender risk

Arizona uses non-judicial foreclosure as its primary method, with a typical timeline of non-judicial — roughly 90 days from notice of trustee’s sale. Non-judicial process lets a lender recover collateral through a trustee sale without a lawsuit, which lowers lender risk and translates into more aggressive leverage and sharper pricing for borrowers.

What is different here

Arizona deeds of trust and a 90-day trustee process make it a favorite of private lenders, and the state has a large population of individual trust-deed investors. Water-rights and HOA issues deserve attention on outlying land and new builds.

Lenders active in Arizona

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