Hard money loans in Tempe, AZ.
Tempe is small but dense — and the proximity to ASU makes it the metro's strongest rental-conversion market. We see a lot of fix-and-rent BRRRR loans here alongside the standard flips.
What we see in Tempe.
Tempe's tight footprint (only 40 square miles) means inventory is limited and competition is sharp. The Maple-Ash and University Park historic homes carry premium prices but rent fast. South Tempe (85284) skews more suburban with mid-90s tract product that flips like Chandler or Gilbert.
Built for Tempe 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 Tempe deals the same day you send them — typically by phone — and we fund within 24-48 hours.
We know Tempe.
Sample deals we've funded here: $425K Maple-Ash student rental, $580K South Tempe family flip, $390K University Park BRRRR. Local underwriting beats out-of-state lenders who can't tell Maple-Ash from Warner Ranch.
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 Tempe borrowers.
What loan-to-value will Kayak fund in Tempe?
We typically fund up to 70% of the after-repair value (ARV). For experienced borrowers and high-comp neighborhoods like Maple-Ash, 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 Tempe property?
We've closed Tempe 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 Tempe?
Yes — but we underwrite the deal first, the borrower second. If the Tempe property pencils out and the rehab plan is sound, we'll fund a first-timer.
What kind of Tempe 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.