--- title: "Cave Creek Hard Money Lender | Kenwood Mortgage Investments" description: "Cave Creek hard money loans for custom homes, horse property, acreage and land in the desert foothills, from a Scottsdale hard money lender since 1992." canonical: "https://kenwoodmortgage.com/arizona-hard-money-lender/cave-creek/" last_updated: "2026-09-25" --- Hard money lender · Maricopa County # Cave Creek Hard Money Loans Custom homes, horse property and desert acreage. Cave Creek deals rarely fit a bank's form, and they fit ours. | Term | Detail | |---|---| | Loan size | $50K–$25M | | Position | First deed of trust | | Term | 6–24 months | | Structure | Interest only | | Where | Arizona only | Pricing is set deal by deal, on the property, the leverage and the plan. Call and we will talk about your numbers. Cave Creek is desert foothills, acreage, horse property and custom homes, with a small commercial core. Properties here are individual, and individual property is what a bank’s form handles worst. We make hard money loans on Cave Creek land, custom construction, investment homes and commercial property. A decision maker reads each one on its own terms. ## What we look at on a Cave Creek hard money loan - **Water and septic.** Many outlying properties rely on wells, shared wells or hauled water, and septic. Each one affects value and the exit. - **Legal access.** On acreage, the road in matters as much as the land. - **The finished value.** On a custom build, priced against real foothills sales, not a list price. Call [(480) 783-8800](tel:+14807838800) with the address and your numbers, or send a [Quick Quote](https://kenwoodmortgage.com/quick-quote/). Loan figures are program ranges. Every deal is priced on its own fundamentals. This is not a commitment to lend. Last updated September 25, 2026 Hard money programs for Cave Creek deals ## Construction Loans Ground-up capital that moves with your build. Draws advance before the work starts, and the structure is shaped around your schedule. View program ## Land Loans Land financing starts with the parcel and your plan for it. We have underwritten Arizona land since 1992. View program ## Residential Loans Capital for the investment house between where it is and where you are taking it. Purchase, cash out, or reposition. Investment property only. View program ## Commercial Loans Commercial capital that moves when the deal does, from people who have underwritten Arizona property through every cycle since 1992. View program Call **Randy**, **Mark** or **Alex** and describe your deal out loud. It's faster. - [Randy Persson](https://kenwoodmortgage.com/about/randy-persson/) NMLS 183204 President and Founder [(602) 369-3894](tel:+16023693894) [randy@kenwoodmortgage.com](mailto:randy@kenwoodmortgage.com) - [Mark Speno](https://kenwoodmortgage.com/about/mark-speno/) NMLS 158661 Loan Originator [(480) 694-6300](tel:+14806946300) [mark@kenwoodmortgage.com](mailto:mark@kenwoodmortgage.com) - [Alex English](https://kenwoodmortgage.com/about/alex-english/) NMLS 2654939 Loan Originator [(205) 834-2500](tel:+12058342500) [alex@kenwoodmortgage.com](mailto:alex@kenwoodmortgage.com) Questions Cave Creek borrowers ask ### Do you make hard money loans on Cave Creek horse property? Yes, when it is investment or business-purpose property. We underwrite the land, the improvements and the exit. ### Will you lend on a Cave Creek property with a shared well? Often, yes. We read the well agreement along with the rest of the file. It is part of the underwriting, not a reason to say no. ### Do you make construction loans in Cave Creek? Yes. Ground-up construction up to 72 percent of finished value, with draws advanced before each phase. Hard money loans nearby - [Carefree hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/carefree/) - [New River hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/new-river/) - [Scottsdale hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/scottsdale/) - [Phoenix hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/phoenix/) - [Maricopa County hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/maricopa-county/) - [All Arizona hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/) --- ## Kenwood Mortgage Investments 7950 East Redfield Road #110 Scottsdale, Arizona 85260 Call: [(480) 783-8800](tel:+14807838800) Fax: (480) 783-8808 Email: [loans@kenwoodmortgage.com](mailto:loans@kenwoodmortgage.com) MB #13866 | NMLS #170223 Kenwood Mortgage Investments is a licensed Mortgage Broker in the state of Arizona. NMLS MB #13866 | NMLS #170223. This is not a commitment to lend. All loans subject to credit approval. Guidelines subject to change without prior notice. This information is provided to assist business professionals and is not an advertisement extended to the consumer as defined by Section 226.2 Regulation Z. EOE. Equal Housing Lender.