Fix & Flip Loans in Phoenix, Arizona

Phoenix is one of the most active fix-and-flip markets in the country. Strong population growth, deep wholesale lender networks, fast non-judicial foreclosure timelines (~90 days), and an established investor community combine to support consistent deal flow. The metro covers Phoenix, Mesa, Glendale, Peoria, Surprise, Scottsdale, Tempe, and Chandler - each with different price tiers and rehab characteristics. ARV uplift has compressed from 2021-22 peaks but mid-tier neighborhoods remain healthy.

Top Phoenix neighborhoods and submarkets

  • Maryvale (West Phoenix): Lowest entry market; high-volume flip community; ITIN buyer pool overlap.
  • Mesa: Mid-tier suburban flips; strong rental demand; healthy ARV.
  • Glendale / Peoria: Family-targeted flips; consistent absorption.
  • Tempe: ASU-adjacent rental conversion opportunity; smaller flip community.
  • Chandler / Gilbert: Upper-tier suburban; premium ARV; tighter margins.
  • Old Town Scottsdale: Premium flip market; tight inventory.
  • Surprise / Buckeye: Newer western suburbs; build-to-rent investor competition.

Phoenix quick facts

  • Non-judicial foreclosure ~90 days
  • AZ ROC license required for projects >$1,000
  • Strong population growth absorbing inventory
  • Property tax under 1% (low)
  • No mortgage tax / transfer tax
  • Phoenix metro one of top 5 US flip markets

Active programs available in Phoenix

Fix & Flip Loan for Investors

confirmed 5/14/2026

Non-recourse bridge financing for real estate investors to acquire, renovate, and stabilize single-family and build-for-rent portfolios with terms up to 24 months.

LTV up to 90%

Fix & Flip Loan for Investors

confirmed 5/28/2026

Flexible fix and flip financing for 1-4 family properties, including manufactured homes and rural properties, with no income or reserves required.

FICO 500+LTV up to 70%

Fix & Flip Loan for Investors

confirmed 5/20/2026

A fix and flip loan program for experienced real estate investors offering fast funding in as little as 5 days and potential for post-closing appraisals for qualified borrowers.

Bridge Loan for Investors

confirmed 5/20/2026

A short-term bridge loan with terms ranging from 12 to 24 months, designed for investors with at least 2 years of experience. This program does not require a DSCR calculation and offers up to 80% LTV.

FICO 700+LTV up to 80%

DSCR Loan for Investment Properties

confirmed 5/20/2026

A 30 or 40-year fixed-term bridge loan for investment properties that requires a DSCR of at least 0.80. This program allows for up to 80% LTV and is available for single-family homes, 2-4 units, non-warrantable condos, and condotels.

FICO 660+LTV up to 80%DSCR 0.8+

Fix & Flip Loan for Investors

confirmed 5/20/2026

Short-term financing designed for real estate investors to acquire and renovate properties with fast closing timelines.

Bridge Loan for Investors

confirmed 5/19/2026

A short-term financing solution for real estate investors to manage multiple projects and property acquisitions with a line of credit available for up to twelve months.

Fix & Flip Loan for Investors

confirmed 5/28/2026

A fix and flip loan for seasoned investors performing light rehab projects with fast, streamlined approvals.

FICO 650+LTV up to 90%

Bridge Loan for Investors

confirmed 5/11/2026

Short-term bridge financing for investment property purchases with no prepayment penalties.

FICO 680+LTV up to 75%

Fix & Flip Loan for Investors

confirmed 5/10/2026

Hard money financing for real estate investors covering up to 100% of purchase and rehab costs, limited to 70% of the after-repair value.

Fix & Flip Loan for Investors

confirmed 5/28/2026

Fix and flip financing for commercial projects with loan amounts up to $5MM, featuring options for light and heavy rehabs.

FICO 620+LTV up to 70%

Fix & Flip Loan for Investors

confirmed 5/29/2026

Hard money financing solutions for real estate investors and buyers, including options for mobile homes, rural homes, and land.

Bridge Loan for Investors

confirmed 5/12/2026

Short-term bridge financing for investors to acquire or refinance distressed or non-warrantable condo units.

Bridge Loan for Investors

confirmed 6/4/2026

Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.

FICO 500+LTV up to 50%

Bridge Loan for Investors

confirmed 5/9/2026

Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.

FICO 620+LTV up to 70%

Fix & Flip Loan for Investors

confirmed 5/9/2026

A 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 5/9/2026

A 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 5/10/2026

Bridge loan program requiring no income verification or prior experience, with loan amounts up to $3MM.

FICO 650+LTV up to 75%

Bridge Loan for Investors

confirmed 5/9/2026

Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.

FICO 620+LTV up to 70%

Fix & Flip Loan for Investors

confirmed 6/2/2026

Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.

Phoenix Fix & Flip FAQs

Best Phoenix neighborhoods for first-time flippers?

Mesa and Glendale offer the best balance of entry price ($200-300K), rehab inventory depth, and mid-tier ARV exit. Maryvale is cheapest but neighborhood selection within Maryvale matters enormously - some sub-areas have flip-friendly comp depth, others don't. Tempe and Chandler are higher entry with tighter margins.

How fast can a Phoenix fix-and-flip close?

Hard money / fix-and-flip loans typically close in 7-14 days for clean SFR purchases. Title work is fast in AZ (non-judicial state with reliable title records). Auction-acquired properties can close in 5-7 days if cash or with pre-arranged hard money.

AZ Registrar of Contractors compliance for flips?

Required for any work over $1,000. AZ ROC license verification is strict; flip lenders require licensed GC documentation on rehab budgets. Owner-builder permits are available but limit subsequent resale within 12 months in most cases.

Heat-of-summer rehab timing in Phoenix?

Summer (June-September) construction continues but at slower pace - 110°F+ days limit subcontractor productivity. Factor 10-20% timeline expansion for summer rehabs. HVAC failures during rehab walks become emergencies. Plan accordingly.

See Arizona-wide Fix & Flip guidelines and FAQs →

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