--- title: "Cottonwood Hard Money Lender | Kenwood Mortgage Investments" description: "Cottonwood hard money loans in the Verde Valley: construction, land, investment homes and commercial property from an Arizona hard money lender." canonical: "https://kenwoodmortgage.com/arizona-hard-money-lender/cottonwood/" last_updated: "2026-09-25" --- Hard money lender · Yavapai County # Cottonwood Hard Money Loans Hard money for Cottonwood and the Verde Valley, where we are already funding a ground-up build. | 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. Cottonwood is the Verde Valley’s commercial center, with an old town district, investment homes, and land for new building. We are active in the valley: a few miles away in Camp Verde, we are funding a $700,000 farmhouse and barn with every draw advanced before the phase began. We make hard money loans in Cottonwood on construction, land, investment homes and commercial property. ## What we look at on a Cottonwood hard money loan - **Water and septic on larger parcels.** Part of the value and part of the exit. - **The building.** On older commercial property, condition and use shape the value. - **The finished value.** Priced on real Verde Valley sales. 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 Cottonwood 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 Funded by Kenwood near Cottonwood ### [$700,000 Ground-Up Farmhouse and Barn](https://kenwoodmortgage.com/recent-deals/ground-up-700k-camp-verde/) A licensed builder with land owned free and clear. Two structures, one loan, and every draw advanced before the phase began. 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 Cottonwood borrowers ask ### Do you make construction hard money loans in Cottonwood? Yes. Ground-up construction up to 72 percent of finished value, and up to 100 percent of hard costs if you own the land free and clear. ### Do you lend on commercial property in old town Cottonwood? Yes, up to 80 percent of value on commercial bridge loans. We underwrite the building and your plan. ### Do you lend on land in the Verde Valley? Yes. Residential land up to 70 percent of value, commercial land up to 65 percent. Hard money loans nearby - [Camp Verde hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/camp-verde/) - [Prescott hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/prescott/) - [Prescott Valley hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/prescott-valley/) - [Yavapai County hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/yavapai-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.