Fix & Flip Loans in Arizona
Arizona - Phoenix and Tucson primarily - has been one of the most active fix-and-flip markets in the past decade. AZ uses a deed-of-trust foreclosure structure with roughly 90-day timelines, faster than judicial states. Phoenix metro has deep wholesale lender networks and active flip-comp data.
Top Arizona markets for fix & flip
- Phoenix Metro: Mesa, Glendale, Peoria, Surprise - broad flip inventory.
- Tucson: Lower entry; healthy mid-tier flip market.
- Prescott / Sedona: Lower volume; higher-margin renovations.
Arizona quick facts
- •Non-judicial foreclosure (~90-day timeline)
- •AZ ROC license required >$1,000
- •Deep Phoenix flip lender network
- •Property tax under 1% (low)
Active programs available in Arizona
Bridge Loan for Investors
confirmed 5/9/2026Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.
Fix & Flip Loan for Investors
confirmed 5/9/2026A residential transition loan program designed for real estate investors to finance property renovations and flips on non-owner-occupied properties.
Bridge Loan for Investors
confirmed 5/9/2026A streamlined short-term bridge loan program for non-owner-occupied investment properties, offering interest-only payments and no income documentation requirements for entity-based borrowers.
Bridge Loan for Investors
confirmed 5/10/2026Bridge loan program requiring no income verification or prior experience, with loan amounts up to $3MM.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.
Fix & Flip Loan for Investors
confirmed 5/9/2026Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.
Arizona Fix & Flip FAQs
How fast is Arizona foreclosure?
AZ is non-judicial via deed of trust. Trustee's sale typically occurs 90+ days after notice, and there is no post-sale redemption period for non-judicial. Faster than most judicial states but slower than TX.
AZ contractor licensing for flips?
Arizona Registrar of Contractors requires licensing for projects over $1,000. Most flip lenders require licensed GC documentation. Owner-builder permits available but limit subsequent resale within 12 months.
Phoenix flip ARV trend in 2024-2025?
Mid-cycle: ARV uplift compressing from 2021-22 highs. 12-15% gross spread typical on well-bought entry; new-construction comps holding up better than older homes.
General fix & flip questions
How is the loan amount calculated?
Two caps apply at the same time: a percentage of purchase price (often 85–90%) plus 100% of rehab budget, AND a percentage of the as-completed value (ARV), typically 70–75%. The lower of the two caps governs.
Do I need experience to get a fix and flip loan?
No, but pricing improves with experience. Most lenders tier rates by completed flips in the last 24–36 months: 0 flips, 1–2, 3–5, 6–10, 10+. First-time flippers with a strong contractor and reserves can still qualify.
How are rehab funds disbursed?
Rehab is held in escrow and released through a draw process — typically 3–6 draws based on completion of scoped line items, with an inspector verifying each draw.
Got a Arizona fix & flip scenario?
Tell us the deal - we'll match you with the right Arizona lender and come back with current pricing.