--- title: "Arizona Residential Hard Money Loans | Kenwood Mortgage" description: "Residential hard money bridge loans on Arizona investment property. Up to 80 percent of value on non-owner-occupied homes, from a lender who reads the deal." canonical: "https://kenwoodmortgage.com/loan-programs/residential-loans/" last_updated: "2026-10-16" --- Loan program # Arizona Residential Hard Money Loans Capital for the investment house between where it is and where you are taking it. Purchase, cash out, or reposition. Investment property only. | Term | Detail | |---|---| | Loan to value | Up to 80% | | Loan size | $50K–$25M | | Position | First deed of trust | | Term | 6–24 months | | Structure | Interest only | Pricing is set deal by deal, on the property, the leverage and the plan. Call and we will talk about your numbers. The rental down the street finally lists, or the estate sale prices below the market, or your equity is parked in a finished project while the next one waits. A bank sees a file that does not fit its residential form. Non-owner-occupied, LLC borrower, unusual timeline: each one is a reason to slow down or say no. We see an investment property with a story, and we underwrite the story. What is the house worth today, what is your plan, and how does the loan retire? When those three answers hold up, the loan gets made. ## Built for the in-between A bridge loan is not permanent money and does not pretend to be. It closes the gap: buy now and refinance later, pull equity out to fund the next purchase, or hold a property steady while you finish the plan. Terms typically run 6 to 24 months, interest only, so the payment stays light while you execute. When the plan is a long-term hold, we fund the buy and the work, and you exit into a term loan with a long-term lender. We will tell you plainly if your deal is better served elsewhere. Call [(480) 783-8800](tel:+14807838800) and describe the property. Two minutes with a decision maker beats two weeks with a loan portal. We make residential hard money loans across Arizona, including [Gilbert](https://kenwoodmortgage.com/arizona-hard-money-lender/gilbert/), [Surprise](https://kenwoodmortgage.com/arizona-hard-money-lender/surprise/), [Goodyear](https://kenwoodmortgage.com/arizona-hard-money-lender/goodyear/), [Scottsdale](https://kenwoodmortgage.com/arizona-hard-money-lender/scottsdale/), [Prescott Valley](https://kenwoodmortgage.com/arizona-hard-money-lender/prescott-valley/) and [Apache Junction](https://kenwoodmortgage.com/arizona-hard-money-lender/apache-junction/). [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 October 16, 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 fund owner-occupied homes? No. We fund investment and business-purpose loans only. The property cannot be your residence, and the loan cannot be for personal, family, or household use. ### Can I pull cash out of a property I own? Yes. Cash-out refinances on investment property are a regular part of our book, usually to free equity for the next acquisition. We underwrite the property and the plan for the money. ### I am buying through an LLC. Is that a problem? That is normal here. We lend to individuals, LLCs, corporations, trusts, and partnerships, and we can cross-collateralize multiple properties to reach the loan amount you need. Recent work in this program ### [$800,000 Waterfront Penthouse Condo Loan in Tempe, AZ](https://kenwoodmortgage.com/recent-deals/) 10% Rate, Listed For Sale, No Prepayment Penalty This beautiful Bridgeview Condo located on the Tempe Waterfront was pho… ### [$495,000 Foreign National Purchase in Scottsdale, AZ](https://kenwoodmortgage.com/recent-deals/) Foreign national (India) had connected all but one of the dots needed for a conventional purchase of this north scottsda… --- ## 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.