Flagstaff Fix and Flip Lenders
Are you flipping residential properties in Flagstaff, AZ? On this page you'll find a list of fix and flip lenders for residential properties with 1-4 units. The maximum loan-to-after repair value (LTARV) for most lenders is 70%, and a few go up to 75%. You typically need some cash reserves. Most lenders require a down payment and a decent credit score, but there are some exceptions.Searching...
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Center Street Lending
Smarter Loans for Residential Investors
i Fund Cities
Direct Lender for Builders and Rehabbers
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Hilton Financial Corporation
"When the bank says NO or moves too slow" ™
Versara Capital
Mesa, Arizona based hard money lender.
Dunmor
Do More With Dunmor
RBI Private Lending
Direct lender for Bridge Laons, Fix and Flip and Construction. Foreign nationals and new investors welcome.
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Certain Lending
The Mortgage Company Built for Real Estate Investors
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Top Arizona Real Estate Investors
According to Forecasa™, here are the some of the most active real estate investors in Arizona that use fix & flip lenders, ranked by the number of mortgage transactions* from January 2025 to August 2025.
- VAPA Investments LLC
- Investcorp
- Weekley Homes
- Trade In Holdings LLC
- Dreamsweet LLC
- KSW Properties LLC
- Coconut Properties LLC
- Lane Investments LLC
- Good News Group LLC
- Real Property Acquisitions LLC
- Vm Acquisitions LLC
- BTZKK Home Investments LLC
- Azflipcom LLC
- Browns Family Holdings LLC
- DEN21G LLC
- DES Holdings LLC
- New Village LLC
- Chomping Alligator LLC
- Mulberry Group LLC
- Creative Echelon LLC
Here are some of the lenders on our platform that have funded loans for the top residential real estate investors in Arizona recently:
Housemax Funding LLC | Kiavi | American Heritage Lending LLC | Capital Fund I LLC* Many of these real estate investors also use banks and traditional financing, but Forecasa data shows that they have recently used a hard money lender for their property investments.
Forecasa™ empowers real estate professionals with data-driven insights to wholesalers looking for cash buyers, real estate investors tracking their competition, or lenders seeking new clients. With access to property acquisition data, investor profiles, and transaction patterns, you can quickly identify active buyers, match deals to the right investors, and move properties faster. Whether you buy a few credits for targeted lookups or subscribe for full market access, Forecasa helps you stay ahead of the competition and build relationships with the most active players in your area.
4 Local Arizona Fix and Flip Lenders
Here are the fix & flip lenders on our platform that are “local” lenders, based in Arizona…
- Hilton Financial Corporation | Phoenix, AZ
Hilton Financial funds up to 80% of the purchase price and 90% of the rehab budget, with a maximum loan-to-ARV of 69%. They sometimes allow seller carry back or gap funding. No pre-payment penalty. No prior experience needed. Most of their flip and flip loans are fully funded at close of escrow. Draws are paid on a line-item, percentage of completion basis for work in place. 3rd party inspections are standard. Most draws are processed within 5-7 business days of complete draw submittal. They lend in only 4 other states besides Arizona. We have visited their office. - Capital Fund I | Scottsdale, AZ
Established in 2009, Capital Fund seems to be the largest fix & flip lender in Arizona, in terms of loan volume. They don’t check credit, don’t ask for personal tax returns, don’t require appraisals, and don’t charge prepay penalties. They fund up to 90% of the purchase price, with a maximum loan-to-cost of 85%. Capital Fund lends in only 4 other states besides Arizona. We have met them in person at industry conferences. - Private Money Funding, LLC | Scottsdale, AZ
PMF is a true asset-based lender for house flippers throughout Arizona. They don’t check credit, don’t require formal appraisals and are fine with rural locations, but they are conservative with their leverage. They max out at 60% loan-to-value and loan-to-cost. For a purchase, borrowers need a 40% down payment, and also need to contribute 40% of the total rehab costs. The loan amount cannot exceed 60% of the after-repair value. - Versara Capital | Mesa, AZ
Versara doesn’t require appraisals for most fix & flip deals, and they are not too concerned about credit scores. They can fund up to 80% of the purchase price and 100% of the rehab costs.
Arizona Residential Fix and Flip Insights from a Local Lender
Arizona is seeing two common trends in the real estate residential rehab market. According to Brett Tanner of Versara Capital, many investors are seeking properties with the potential for additional square footage and/or dwelling units. Brett explains, “some people are looking to take the smallest house in an area that has the highest price square footage and add on square footage and leverage on the additional square footage. The price per square foot that homes are selling at is their value add.”
He also states that the ADU trend in California has started to flow into Arizona. Many investors are exploring properties where they can construct additional dwelling units to enhance their return on investment.
According to Versara Capital, even with these trends, similar to many other states in the country, good inventory has become a main struggle in Arizona. Investors are still faced with the challenge of finding “great deals and finding great deals with great margins,” Brett says. However, investors are still optimistic and continue to leverage their strategies mainly on fix and flip projects. Brett states that, “the most common investment strategy for our clients is really fix and flip. But a close second is rehab to rent and then they cash us out. I would say of our business fix and flips are probably 70% of that number and 30% is either rehab to rent or commercial.”
Watch Brett Tanner’s interview below to learn more about Rehab projects in Arizona
Versara Capital, LLC, is a hard money lender committed to providing real estate investors and business owners with trustworthy, efficient, and experienced lending services. For the last decade, they have been Arizona’s fastest, most reliable hard money lender. They lend on all types of rehab projects from a basic remodel to a full ticket to drywall to studs and start over. Their typical rehab loan consists of 20% down with rates between 9.9% to 12.9%. Their primary product is the standard fix and flip project but they also provide loans for purchase, refinance, cash out refi, rehab to rent, residential multifamily and commercial land.
