# Kenwood Mortgage Investments, Inc.

> Arizona private money lender. Non-bank, non-fund, family-owned since 1992.
> Kenwood underwrites and services first-position trust deeds on Arizona
> investment real estate; capital is table-funded by a network of private
> investors. Business-purpose lending only. MB #13866 · NMLS #170223.

- Location: 7950 East Redfield Road #110, Scottsdale, Arizona 85260
- Serves: Arizona only
- Phone: (480) 783-8800 · Email: loans@kenwoodmortgage.com
- Loan sizes: $50,000 to $5,000,000, interest-only, 6 to 12 months (longer on construction)

## Loan programs

- [Commercial Loans](https://kenwoodmortgage.com/loan-programs/commercial-loans/): Private commercial bridge loans in Arizona. Office, retail, industrial, and specialty property funded on the strength of the deal, up to 65 percent loan to value.
- [Construction Loans](https://kenwoodmortgage.com/loan-programs/construction-loans/): Ground-up construction loans in Arizona with advance draws through Fund Forward. Up to 80 percent of cost, capital advanced before the work begins.
- [Fix and Flip Loans](https://kenwoodmortgage.com/loan-programs/fix-and-flip-loans/): Fix and flip loans for Arizona investors. Up to 70 percent of after-repair value and 85 percent of cost, underwritten on the deal in front of us.
- [Land Loans](https://kenwoodmortgage.com/loan-programs/land-loans/): Arizona land loans from a lender who actually funds them. Residential lots to 60 percent of value, commercial land to 55 percent, underwritten on the path to use.
- [Multi-Family Loans](https://kenwoodmortgage.com/loan-programs/multi-family-loans/): Private bridge capital for Arizona multi-family property. Duplexes to apartment buildings, funded on the asset and your plan for it.
- [Residential Loans](https://kenwoodmortgage.com/loan-programs/residential-loans/): Bridge loans on Arizona residential investment property. Up to 80 percent loan to value on non-owner-occupied homes, funded by a lender who reads the deal, not a form.

## Insights

- [The Two Ways Capital Fails: Underwrite Your Lender the Way They Underwrite You](https://kenwoodmortgage.com/insights/the-two-ways-capital-fails/): Capital fails two ways: it arrives too late, or it stops arriving mid-project. Four questions that underwrite a lender before you need them.
- [Construction Loans That Fund Draws Before the Work Starts](https://kenwoodmortgage.com/insights/construction-loans-that-fund-draws-before-work-starts/): Arizona advance-draw construction loans: each draw funds before the phase begins, and interest accrues only on money actually disbursed.
- [How an Arizona Shop Owner Bought the Building He Was Renting](https://kenwoodmortgage.com/insights/how-an-arizona-shop-owner-bought-the-building/): How an Arizona auto repair operator bought his West Valley building in weeks: a 65 percent private first, a 20 percent seller carry, and 15 percent down.
- [Bring the Land. We Fund the Build.](https://kenwoodmortgage.com/insights/bring-the-land-we-fund-the-build/): Own your lot free and clear? Your land is the down payment. How Kenwood funds up to 100 percent of hard construction costs on land owned outright.
- [Smart Leverage: The Two-Tranche Secret That Slashes Your Interest Bill](https://kenwoodmortgage.com/insights/smart-leverage-two-tranche/): How a two-tranche construction loan structure cuts carrying cost: pay interest on committed capital, nothing on the tranche you have not activated.
- [The Builder-First Partnership: What 30 Years of Arizona Construction Funding Actually Looks Like](https://kenwoodmortgage.com/insights/the-builder-first-partnership/): What a builder-first lending partnership looks like: 48-hour inspections, 3-day draw turnarounds, and underwriting that reads a build instead of a risk matrix.
- [The Liquidity Crunch: Why Your Lender Is the Reason Your Materials Cost More](https://kenwoodmortgage.com/insights/the-liquidity-crunch/): Why reimbursement-style construction draws raise your material costs, and how advance draws keep an Arizona build on schedule.

## Key pages

- [$700,000 Ground-Up Farmhouse and Barn](https://kenwoodmortgage.com/recent-deals/ground-up-700k-camp-verde/)
- [$1,800,000 Ground-Up Custom Home](https://kenwoodmortgage.com/recent-deals/ground-up-1-8m-prescott/)
- [Alex English](https://kenwoodmortgage.com/about/alex-english/): Alex English, loan underwriter and investor at Kenwood Mortgage Investments, licensed Arizona MLO and real estate agent.
- [Contact](https://kenwoodmortgage.com/contact/): Reach Kenwood Mortgage Investments in Scottsdale, Arizona. Call (480) 783-8800 to talk with a principal about your deal.
- [FAQs](https://kenwoodmortgage.com/faqs/): Straight answers about Arizona private money lending: what hard money is, how Kenwood prices loans, how fast funding works, and what we do and do not lend on.
- [Get a Fast Answer](https://kenwoodmortgage.com/quick-quote/): Tell us about your property and financing needs. A Kenwood decision-maker will review your deal and let you know whether we see a path forward.
- [Mark Speno](https://kenwoodmortgage.com/about/mark-speno/): Mark Speno, loan underwriter and investor at Kenwood Mortgage Investments, founding board member of the Arizona Private Lender Association.
- [Media](https://kenwoodmortgage.com/media/): Videos from Kenwood Mortgage Investments on private money lending in Arizona: how hard money works, what it costs, and when it beats a bank.
- [Mortgage Matters](https://kenwoodmortgage.com/mortgage-matters/): The Real State market newsletters for Greater Phoenix, residential and commercial, published monthly by R.O.I. Properties and archived here by Kenwood Mortgage Investments.
- [Privacy Policy](https://kenwoodmortgage.com/privacy-policy/): How Kenwood Mortgage Investments collects, uses, protects, and discloses information from users and visitors of its website.
- [Randy Persson](https://kenwoodmortgage.com/about/randy-persson/): Randy Persson, President and co-owner of Kenwood Mortgage Investments. Founder of Kenwood in 1992, with over $300 million in real estate loans originated, brokered, or invested.
- [Rose Persson](https://kenwoodmortgage.com/about/rose-persson/): Rose Persson, Vice President and co-owner of Kenwood Mortgage Investments, with three decades across banking, title and escrow, and lending.
- [Start an Application](https://kenwoodmortgage.com/apply/): Start a loan application with Kenwood Mortgage Investments. Applications and documents move through a secure system, never a public web form.
- [Testimonials](https://kenwoodmortgage.com/testimonials/): What Arizona borrowers, brokers, and builders say about working with Kenwood Mortgage Investments, in their own words.
- [Tiffany James](https://kenwoodmortgage.com/about/tiffany-james/): Tiffany James, loan production manager at Kenwood Mortgage Investments, coordinating documents, borrowers, title, escrow, and servicing on every closing.

## Notes
- This is not a commitment to lend. All loans subject to credit approval.
- Business and investment purpose only. Kenwood does not make consumer or owner-occupied loans.
- Kenwood does not offer DSCR or long-term buy-and-hold financing.