Financing

Houses-Arizona.com’s affiliated private lenders and investors can finance your real estate purchases with target loan sizes between $50,000 – $5,000,000.

We specialize in financing first mortgage loans on investment properties to assist you with your acquisition, rehab, fix/flip, cash-out or rate & term refinance and provide quick closings as fast as 2 days.

Property & Project Types: Single family residence, Multi-family properties, Fix & Flip, Fix & Hold, Rehab, Condominiums & Townhouses, Commercial Acquisition/Refinance, Apartment Financing, Industrial Buildings, Ground-up new construction, and lot & land development. 

Available Loan Programs:

Bridge Lending (Fix/Flip, construction, hold, purchase, refinance):

  • Type:  1-4 units, Condo, SFR, Town-homes, Commercial, Multi-family
  • Term:  1 – 12 months (4 months average payoff)
  • Avg. Rate:  10% – 15.9%
  • Payments: Interest Only
  • Origination Fee: 0% – 2.5%
  • Underwriting/Doc Fees: $500 – $900
  • Down-payment: Min 20%. (financing up to 80% of total projected costs including construction)
  • Loan-to-Cost: 75%-80% (70% ARV)
  • Pre-payment Penalty: None, 30 day minimum interest
  • Asset-Based Lending: Typically No appraisal, No Personal Guarantee and No Credit Check

 

Mini-Perm Financing for Residential & Commercial Properties:

  • Term: 3yr – 8yr Fixed Rate, 30yr Term/Amortization
  • Rate: 7.50% – 10.95%
  • Origination Fee: 0%-2%
  • Underwriting/Doc Fee: $1,995 – $2,900
  • Down-payment: 25%
  • LTV: up to 75%
  • Pre-payment Penalty: 3%-5% first 3 years, none after 3yrs (can be as low as 1 year PPP)
  • Asset & Borrower Based Lending: Appraisal, 1003 app & Credit Check are required. *No Income Verification or Tax Returns.