--- title: "Kenwood Mortgage | Arizona Hard Money & Private Lender" description: "Arizona hard money lender since 1992. Fix and flip, construction, bridge, land and commercial loans on investment property, from the people who fund them." canonical: "https://kenwoodmortgage.com/" last_updated: "2026-10-16" --- Arizona hard money lender · Scottsdale # Private capital structured around your deal. Banks underwrite a checklist. We underwrite the deal in front of us, then shape the loan around how you build, buy, and bridge. Arizona real estate only, funded on experience for more than 30 years. - 30+ Years in Arizona - $50K–$25M Loan size - 1st Position trust deeds - Arizona Business-purpose loans How we lend ## The loan fits the project. Not the other way around. ### We read the deal, not a form. People who know Arizona dirt, permits, and resale read your project. When the fundamentals are sound, we structure terms around them. ### Structured around your build. Draw schedules, terms, and timing follow the way your project actually runs. The deals others turn away are the ones we read closest. ### One lender, every stage. Buy it, build it or bridge it. One relationship carries your project from lot to sale. Who reads your deal ## A decision maker, not a queue. Randy founded Kenwood in 1992. Mark has lent privately since 1993. Between them the team brings more than 65 years of Arizona lending, and when you call, you reach someone who can actually decide. 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) Loan programs ## Six ways in. One way of underwriting. Borrowers searching for an [Arizona hard money lender](https://kenwoodmortgage.com/arizona-hard-money-lender/) usually mean exactly this: asset-based, first-position loans from private capital, closed on the property's own numbers. 01 ### [Commercial Loans](https://kenwoodmortgage.com/loan-programs/commercial-loans/) Owner-occupied and investor commercial, underwritten on the deal's own math. 02 ### [Construction Loans](https://kenwoodmortgage.com/loan-programs/construction-loans/) Ground-up capital with advance draws through Fund Forward. 03 ### [Fix and Flip Loans](https://kenwoodmortgage.com/loan-programs/fix-and-flip-loans/) Asset-based underwriting that keeps a purchase on schedule. 04 ### [Land Loans](https://kenwoodmortgage.com/loan-programs/land-loans/) A lender that actually lends on land, residential and commercial. 05 ### [Multi-Family Loans](https://kenwoodmortgage.com/loan-programs/multi-family-loans/) Small and mid-size Arizona multifamily, from reposition through stabilization. 06 ### [Residential Loans](https://kenwoodmortgage.com/loan-programs/residential-loans/) Non-owner-occupied residential capital for buy, bridge, and reposition. Fund Forward · Ground-up construction ## Construction money before the work begins. Most lenders reimburse you after your crews are already paid. Fund Forward advances each draw before the work starts, and the draw structure is tailored to your build. - Funds advance before work begins, not after. - Own your land free and clear, and we can fund up to 100 percent of hard costs. - Draw structure shaped around your construction schedule. [See Construction Loans](https://kenwoodmortgage.com/loan-programs/construction-loans/) Recent work ## Buy it, build it, bridge it across Arizona. ### [$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. ### [$1,800,000 Ground-Up Custom Home](https://kenwoodmortgage.com/recent-deals/ground-up-1-8m-prescott/) A custom home on a mountain-view lot at Talking Rock Ranch. Land owned free and clear, one lender, six draws, bare dirt to finished exterior. From a Kenwood borrower > “They brought the experience and resources to the table that made everything seamless.” > > — Mickey C. Plain answers ## The questions borrowers ask first. ### What is a hard money loan? A loan secured by real estate and underwritten on the property first, funded by private capital instead of a bank. The value of the collateral and the strength of your plan carry more weight than a scoring model. That is why these loans can close in days instead of months. ### What determines my pricing and loan amount? Three things. The collateral: what the property is honestly worth and how marketable it is. Your capacity: whether the payments and the payoff fit your plan. Your credit history: not a minimum score, but a fair read of how you have handled obligations. Strong collateral and a clear plan can carry a file with imperfect credit. Nothing carries a file with an unrealistic value. ### How fast can you fund? Our capital is private and committed before you sign, so there is no committee and no secondary market between a yes and a wire. Most loans close within days of a clear preliminary title report. Tell us your deadline in the first call and we will tell you honestly whether it can be met. [All the questions, answered plainly](https://kenwoodmortgage.com/faqs/) --- ## 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.