--- title: "Flagstaff Hard Money Lender | Kenwood Mortgage Investments" description: "Flagstaff hard money loans for construction, investment homes, land and commercial property. We have funded an unfinished construction project in Flagstaff." canonical: "https://kenwoodmortgage.com/arizona-hard-money-lender/flagstaff/" last_updated: "2026-09-25" --- Hard money lender · Coconino County # Flagstaff Hard Money Loans Hard money for Flagstaff builds, investment homes and land, including projects a bank will not touch half-finished. | 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. Flagstaff building runs on a short season, and a project that stalls halfway can be very hard to finance. We have funded one in Flagstaff: a half-built luxury home that needed a lender willing to read what was already built and what it would take to finish. We make hard money loans in Flagstaff on construction, investment homes, land and commercial property. ## What we look at on a Flagstaff hard money loan - **Weather and the schedule.** Winter can stop work. The draw schedule and the loan term should allow for it. - **What is already built.** On an unfinished project, we look at the work in place and the cost to complete. - **The finished value.** Priced on real Flagstaff 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 Flagstaff 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 ## 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 ## Land Loans Land financing starts with the parcel and your plan for it. We have underwritten Arizona land since 1992. 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 Flagstaff ### [$300,000 Unfinished Construction Loan in Flagstaff, AZ](https://kenwoodmortgage.com/recent-deals/) $300,000 loan to complete this luxury home in Flagstaff. Even with great credit, a free and clear asset and more than ha… 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 Flagstaff borrowers ask ### Will you finance an unfinished construction project in Flagstaff? Yes. We have done it. We underwrite the work in place, the cost to finish, and the finished value. ### Do you make hard money loans on Flagstaff investment homes? Yes. Purchases, cash-out and renovation on investment property, up to 80 percent of value. ### Is Flagstaff inside your lending area? Yes. We lend anywhere in Arizona. Hard money loans nearby - [Prescott hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/prescott/) - [Cottonwood hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/cottonwood/) - [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.