Hard money loans in Scottsdale, AZ.
Scottsdale is our backyard — the office is on Rancho Vista Drive in 85251 — and Scottsdale flips are our bread and butter. We see everything from $400K South Scottsdale starter rehabs to $2M+ luxury teardowns north of the 101.
What we see in Scottsdale.
Scottsdale's flip math runs on two engines: South Scottsdale (85250 / 85251 / 85257) where 1960s ranch homes get pulled apart for $450-$700K resales, and North Scottsdale (85255 / 85262 / 85266) where Troon and DC Ranch homes routinely sit at $1.5M+. Both work — but the underwriting is completely different. We know the difference.
Built for Scottsdale 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 Scottsdale deals the same day you send them — typically by phone — and we fund within 24-48 hours.
We know Scottsdale.
Sample deals we've funded here: $520K South Scottsdale flip, $1.1M McCormick Ranch rebuild, $1.8M North Scottsdale luxury rehab. Local underwriting beats out-of-state lenders who can't tell Old Town from South Scottsdale.
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 Scottsdale borrowers.
What loan-to-value will Kayak fund in Scottsdale?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Old Town, 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 Scottsdale property?
We've closed Scottsdale 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 Scottsdale?
Yes — but we underwrite the deal first, the borrower second. If the Scottsdale property pencils out and the rehab plan is sound, we'll fund a first-timer.
What kind of Scottsdale 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.