--- title: "Arizona Fix and Flip Hard Money Loans | Kenwood Mortgage" description: "Fix and flip hard money 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." canonical: "https://kenwoodmortgage.com/loan-programs/fix-and-flip-loans/" last_updated: "2026-09-24" --- Loan program # Arizona Fix and Flip Hard Money Loans The house is right, the numbers work, and the seller will not wait. This is the loan for that moment. | Term | Detail | |---|---| | Loan to ARV | Up to 70% | | Loan to cost | Up to 85% | | Position | First deed of trust | | Term | 6–24 months | Pricing is set deal by deal, on the property, the leverage and the plan. Call and we will talk about your numbers. You have a property, a rehab plan, and a closing deadline. You need a lender who can assess the purchase, the work, and the exit together. We underwrite the property and your plan, not a checklist. When the deal makes sense, we say so, tell you what we can do, and start the title work. ## What we look at - The purchase price against the comps. Your margin is made on the buy. - The rehab budget, line by line, against real Arizona costs. - The exit. What the house sells for when the work is done, priced against the market as it is, not as the listing agent hopes it will be. ## Draws that keep the job moving We fund forward. Your rehab draw is advanced before the phase begins, not reimbursed after you have already paid for it, and inspection turnarounds are fast. Your crews stay paid, your material orders go out on time, and the project keeps its schedule instead of waiting on paperwork. Bring the address, the purchase price, and your budget. Call [(480) 783-8800](tel:+14807838800) or ask for a quote, and you will hear back from a decision maker, not a processor. We make fix and flip hard money loans across Arizona, including [Phoenix](https://kenwoodmortgage.com/arizona-hard-money-lender/phoenix/), [Mesa](https://kenwoodmortgage.com/arizona-hard-money-lender/mesa/), [Glendale](https://kenwoodmortgage.com/arizona-hard-money-lender/glendale/), [Surprise](https://kenwoodmortgage.com/arizona-hard-money-lender/surprise/), [Chandler](https://kenwoodmortgage.com/arizona-hard-money-lender/chandler/) and [Tucson](https://kenwoodmortgage.com/arizona-hard-money-lender/tucson/). [See every area we lend in](https://kenwoodmortgage.com/arizona-hard-money-lender/). Leverage above is a program range. Every deal is priced on its own fundamentals. This is not a commitment to lend. Last updated September 24, 2026 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 borrowers ask ### Do you lend on auction and trustee sale purchases? Yes. Wholesale deals, trustee sales, estate purchases, agent-listed properties. If it is an Arizona investment property with a real exit, we will look at it. ### What does the rehab budget need to look like? Line items, not a round number. We read your budget against what work actually costs in this market. A clear budget usually earns better terms, because it tells us you have done this before. ### What if my deal does not fit the numbers above? Ask anyway. The figures on this page are program ranges, not cutoffs. We underwrite the deal in front of us, and strong deals earn exceptions. Recent work in this program ### [$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… ### [$125,000 Fix and Flip in Phoenix, AZ](https://kenwoodmortgage.com/recent-deals/) Loan to LLC. borrower purchased this North Phoenix property with all cash at the Trustee Sale, then turned to Kenwood to… --- ## 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.