Hard money loans in Phoenix, AZ.
Phoenix is where Kayak Capital was born and where we still close the most loans. It's also the most varied flip market in the metro — a Maryvale starter and an Arcadia teardown can sit ten miles apart at four-times the price spread. We've funded both.
What we see in Phoenix.
From the historic bungalows of Coronado and Willo to the pop-up infill in South Mountain Village to the high-end gut-jobs in Arcadia and the Biltmore, Phoenix gives investors more pricing tiers than any other city in the metro. We've funded loans from $90K all the way to $1.2M inside Phoenix proper.
Built for Phoenix 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 Phoenix deals the same day you send them — typically by phone — and we fund within 24-48 hours.
We know Phoenix.
Sample deals we've funded here: $185K rehab in Sunnyslope, $420K teardown in Coronado, $720K Biltmore Estates flip. Local underwriting beats out-of-state lenders who can't tell Downtown from Ahwatukee Foothills.
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 Phoenix borrowers.
What loan-to-value will Kayak fund in Phoenix?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Downtown, 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 Phoenix property?
We've closed Phoenix 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 Phoenix?
Yes — but we underwrite the deal first, the borrower second. If the Phoenix property pencils out and the rehab plan is sound, we'll fund a first-timer.
What kind of Phoenix 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.