Arizona Hard Money Lenders for Real Estate Investors
Here is a list of hard money lenders for residential and commercial real estate throughout Arizona - Phoenix, Tuscon, Mesa, Scottsdale, Tempe, Chandler, Flagstaff, Surprise and other areas. Hard money loans are a great short-term solution for Arizona property investors who either don’t qualify for a traditional mortgage or just need to close a deal fast. Most hard money lenders offer a maximum term of 12 months.
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Funded Hard Money Loans in Arizona

Hard Money Loan for SFR Vacation Rental Rehab in Sedona, Arizona
$1,800,992
Bench Equity, a direct lender for alternative loans based in Mesa, funded a $1,800,992 hard money loan in 1st lien position for the acquisition of a luxury single-family residence in the vacation area of Sedona, AZ. The purchase price was $1,700,000 and the renovation budget was 444,990. We funded 85% of the purchase and 80% of the renovation while the Borrower contributed 15% and 20% cash at closing, respectively. The after-repair value was estimated to be $3,600,000 so our loan-to-after-repair value was 50%. The luxury property was pre-approved for a lot split by the city. The Borrower maximized the existing buildings by rehabbing the home while converting a detached garage into a second SFR. Excellent payment history as a repeat Borrower qualified the Borrower for an above-average loan amount with the same low rates and no points options we offer to all of our Borrowers. The subject property was in good condition and vacant at closing. The Borrower plans to lease the property upon completion of the conversion rehab, and eventually refinance as an exit strategy. The interest rate was 11%. The loan term was set at 11 months. This SFR hard money loan was funded in July 2022.
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