Hard money loans in Gilbert, AZ.
Gilbert routinely lands on Money Magazine's 'best places to live' lists for a reason — and that consistent demand makes it one of the easier flip markets to underwrite. The catch is competition: Gilbert flips don't sit, but you have to buy right.
What we see in Gilbert.
Gilbert's master-planned communities (Power Ranch, Seville, Val Vista Lakes, Cooley Station) are predictable in a way most metros aren't — the comps are dense, the schools are strong, and the buyer pool is hungry. Heritage District rehabs near downtown carry premium prices but tighter margins.
Built for Gilbert investors.
Zero points. Zero junk fees.
No origination, no processing, no underwriting fees. The rate you see is the rate you pay — with no surprise line items at closing.
Same-day approvals.
Decision-makers in-house. We approve Gilbert deals the same day you send them — typically by phone — and we fund within 24-48 hours.
We know Gilbert.
Sample deals we've funded here: $510K Power Ranch flip, $675K Seville rebuild, $445K Greenfield Lakes update. Local underwriting beats out-of-state lenders who can't tell Downtown Gilbert (Heritage District) from Cooley Station.
Construction draws made simple.
If you're doing a heavier rehab, our draw process is fast and unbureaucratic — most draws get funded the same day the inspector clears the work.
Common questions from Gilbert borrowers.
What loan-to-value will Kayak fund in Gilbert?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Downtown Gilbert (Heritage District), we sometimes go higher. Call us with the deal and we'll tell you what we can do.
How fast can you close on a Gilbert property?
We've closed Gilbert deals in as little as 5 business days. Standard turnaround is 7-10 days from signed contract. Same-day verbal approvals.
Do you fund first-time investors in Gilbert?
Yes — but we underwrite the deal first, the borrower second. If the Gilbert property pencils out and the rehab plan is sound, we'll fund a first-timer.
What kind of Gilbert properties don't you fund?
Owner-occupied homes (we're investment-only), raw land without a build plan, and properties outside our metro coverage. Everything else, we'll consider.