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


Tempe sits at the geographic and economic center of the Phoenix metro — home to Arizona State University, a booming downtown, and some of the strongest rental demand in the state. Kayak Capital provides hard money financing for investors working in Tempe's competitive market, whether you're flipping a home near the ASU campus, bridging an acquisition in South Tempe, or renovating a rental property near Tempe Marketplace. Zero points, zero origination fees, zero prepayment penalties.


Why Investors Choose Tempe

Tempe is a landlocked city, which means there's almost no new single-family inventory being built — existing homes are the entire market. That scarcity drives consistent appreciation and makes renovated properties highly sought after by both buyers and renters.


The ASU student and faculty population creates year-round rental demand, while South Tempe's established neighborhoods (between Baseline and Elliot near the Kyrene corridor) attract families willing to pay premium prices for updated homes. Investors who can source off-market deals in Tempe consistently see some of the best returns in the valley.


Local Expertise Note

Tempe deals move fast — properties near the university and downtown rarely sit on the market. We've structured quick-close bridge loans for Tempe acquisitions where timing was the difference between winning and losing the deal. If you need to close in days, not weeks, that's where we shine.


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 Tempe

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

Discover

Tempe

Tempe is a lively city known for its youthful energy and innovation. It is home to Arizona State University, which greatly influences the local culture. The presence of students contributes to a dynamic and diverse environment. The city is constantly evolving with new developments. ... Tempe Town Lake serves as a central attraction for recreation and events. The downtown area is filled with restaurants, nightlife, and entertainment options. It also has a strong job market, particularly in tech and education. Tempe’s mix of energy and opportunity makes it a unique place to live.