--- title: "Phoenix Hard Money Lender | Kenwood Mortgage Investments" description: "Phoenix hard money lender since 1992. Fix and flip, construction, bridge, land and commercial hard money loans in Phoenix, AZ from $50K to $25M." canonical: "https://kenwoodmortgage.com/arizona-hard-money-lender/phoenix/" last_updated: "2026-09-25" --- Hard money lender · Maricopa County # Phoenix Hard Money Loans Hard money loans for Phoenix investors, builders and business owners, from a lender that has underwritten Phoenix real estate since 1992. | 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. Phoenix is where most Arizona investment deals get done, and it is where a slow lender costs the most. A flip in an older neighborhood, an infill build on a vacant lot, a small commercial building with a plan behind it: the seller wants certainty, and a bank wants months. We make hard money loans across the city, from the older housing stock near the core to new construction at the edges, including Laveen, Ahwatukee and north Phoenix. A decision maker reads your deal, looks at the property, and prices the loan on its value and your plan. ## What we look at on a Phoenix hard money loan - **The block, not the zip code.** Phoenix values can change street by street, so we read comps close to the property. - **Permits and scope.** Work inside the City of Phoenix runs through the city’s permit process, and a realistic permit timeline belongs in your schedule. - **The exit.** A sale, a refinance or a lease-up, priced against the market as it is. 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 Phoenix deals ## Fix and Flip Loans The house is right, the numbers work, and the seller will not wait. This is the loan for that moment. View program ## 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 ## Commercial Loans Commercial capital that moves when the deal does, from people who have underwritten Arizona property through every cycle since 1992. View program ## Multi-Family Loans From a duplex in Mesa to an apartment building mid-turn, capital sized to the property and the plan you have for it. 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 Funded by Kenwood near Phoenix ### [$505,000 Fix and Flip in Phoenix, AZ](https://kenwoodmortgage.com/recent-deals/) Recently funded a $505,000 loan on a fix and flip. The borrower fixed up the house and it just sold for $797,999. Borrow… ### [$420,000 Commercial Loan in Phoenix, AZ](https://kenwoodmortgage.com/recent-deals/) “The team at Kenwood Mortgage helped me seize a discount on a time sensitive business opportunity. They brought the expe… ### [Multi-million Dollar Cash Out Refi in Phoenix, AZ](https://kenwoodmortgage.com/recent-deals/) Multi-million dollar cash out refinance on this free and clear industrial property in Phoenix. Working closely with the … ### [$600,000 ground up](https://kenwoodmortgage.com/recent-deals/) $600,000 ground up SFR construction in Laveen. This well established builder was putting up homes faster than the banks … 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 Phoenix borrowers ask ### Do you make hard money loans in every part of Phoenix? Yes. We lend on investment and business-purpose property across the city, from central Phoenix to Laveen, Ahwatukee and the north end, and throughout the rest of the Valley. ### Can I get a hard money loan on a Phoenix trustee sale purchase? Yes. Trustee sales, wholesale deals, estate purchases and listed properties all work. What matters is the purchase price against the comps, the rehab budget and the exit. ### Do you make commercial hard money loans in Phoenix? Yes. Office, retail, industrial, restaurants and mixed use, up to 80 percent of value and up to $25,000,000 per loan. Hard money loans nearby - [Glendale hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/glendale/) - [Scottsdale hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/scottsdale/) - [Tempe hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/tempe/) - [New River hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/new-river/) - [Peoria hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/peoria/) - [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.