--- title: "Surprise Hard Money Lender | Kenwood Mortgage Investments" description: "Surprise hard money loans for investment homes, cash-out and fix and flip in the Northwest Valley. Loans from $50K, first-position trust deeds." canonical: "https://kenwoodmortgage.com/arizona-hard-money-lender/surprise/" last_updated: "2026-09-25" --- Hard money lender · Maricopa County # Surprise Hard Money Loans Surprise hard money for Northwest Valley investment homes, purchases and cash-out. | 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. Surprise is investment-home country: planned communities, rentals and homes bought to renovate and resell. It is also a place we have lent many times, from purchases to cash-out refinances on single-family investment property. A Surprise hard money loan from Kenwood is priced on the home’s value and your plan. You talk to a decision maker, and you know quickly whether the deal works. ## What we look at on a Surprise hard money loan - **The comps.** With many similar homes nearby, we read the closest real sales, not the average. - **HOA rules.** Association rules can limit rentals and exterior changes, so we check them before you count on a plan. - **The exit.** Sale, refinance, or a long-term hold with a long-term lender. 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 Surprise deals ## 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 ## 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 ## 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 Surprise ### [Single Family Investment Property in Surprise, AZ](https://kenwoodmortgage.com/recent-deals/) Single family investment property purchase in Surprise. Borrower is a Canadian citizen living in Dubai. Kenwood rushed t… ### [$88,000 Purchase in Surprise, AZ](https://kenwoodmortgage.com/recent-deals/) Short sale in the last three years precluded conventional financing. In less than one week from the initial phone call, … ### [$45,000 Cash Out Refi Loan in Surprise, AZ](https://kenwoodmortgage.com/recent-deals/) Cash out refinance loan. Borrower owned free and clear. Used cash to keep buying bank REO’s at a discount. 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 Surprise borrowers ask ### Do you make hard money loans on Surprise investment homes? Yes. Purchases, cash-out and repositioning on investment property, up to 80 percent of value on residential bridge loans. ### Can I use a hard money loan to buy a Surprise rental? Yes, as bridge capital. We fund the purchase and any work, and you refinance into a long-term rental loan with a long-term lender. ### Do you lend on my own home in Surprise? No. We make business-purpose loans on investment property only. If the property is your home, or the money is for personal use, we are not the right lender. Hard money loans nearby - [Peoria hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/peoria/) - [Glendale hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/glendale/) - [Wittmann hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/wittmann/) - [Goodyear hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/goodyear/) - [Buckeye hard money loans](https://kenwoodmortgage.com/arizona-hard-money-lender/buckeye/) - [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.