Hard Money Lender in Scottsdale, AZ — Zero Points, Zero Fees


Kayak Capital is headquartered right here in Scottsdale, and we've been providing hard money financing to investors in this market since day one. Scottsdale's premium real estate market demands a lender who understands higher price points, longer renovation timelines for luxury finishes, and the nuances of selling in a market where buyers expect quality.

We offer zero points, zero origination fees, and zero prepayment penalties — keeping more profit in your pocket on every deal.


Why Investors Choose Scottsdale

Scottsdale offers some of the highest resale values in the Phoenix metro, which means larger profit margins for investors who execute well. The city attracts relocating professionals and retirees from higher-cost markets like California and the Pacific Northwest, creating consistent buyer demand.


South Scottsdale offers accessible entry points with strong flip potential near Old Town, while North Scottsdale and the 85255 corridor attract luxury-tier projects. The short-term rental market in Scottsdale is also one of the strongest in Arizona, giving investors multiple exit strategies.


Local Expertise Note

Our office is at 7137 E Rancho Vista Dr in Scottsdale — we literally lend in our own backyard. We've funded flips in Old Town, ground-up builds near the Greenbelt, and luxury rehabs in Gainey Ranch and DC Ranch. When you work with us on a Scottsdale deal, you're working with a team that lives and breathes this market.


Our Loan Programs

  • Fix & Flip Loans — Short-term financing for property renovations. Fast approvals, funded in as little as 24 hours.
  • Bridge Loans — Short-term capital to bridge the gap between buying your next investment and selling your current one.
  • New Construction Loans — Ground-up financing for investors building new residential properties.
Get Funded in Scottsdale

Have a Question?

Barry Luchtel

Barry Luchtel
Co-Founder

We offer real estate investors:

  • LOW RATES
  • FREEDOM FROM JUNK FEES, POINTS, AND PRE-PAYMENT PENALTIES
  • A FAST AND EASY APPROVAL PROCESS
  • A DEPENDABLE PARTNER FOR THEIR BUSINESS

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Scottsdale

Scottsdale is a city located in Pinal County, Arizona, nestled at the base of the Superstition Mountains. It is known for its striking desert landscapes, rugged terrain, and rich connection to Old West history. The city’s name comes from its origins as a junction for the Apache Trail, a historic route that once served as a supply road for mining operations. Today, Scottsdale blends small-town charm with scenic beauty, attracting visitors who enjoy outdoor activities like hiking, camping, and exploring nearby landmarks such as Lost Dutchman State Park. ... The community maintains a relaxed, southwestern lifestyle, with a strong appreciation for its natural surroundings and cultural heritage. Residents and tourists alike enjoy local events, rodeos, and festivals that celebrate the region’s cowboy traditions. Despite its growth over the years, Scottsdale has retained much of its rural character, making it a unique place where modern living meets the spirit of the American frontier.