Real Estate Investor Loans in Phoenix, AZ
DSCR rental loans, fix & flip financing, and construction loans for Phoenix-area investors. Close in as fast as 14 days. No W-2s required.
Investor Loan Programs in Phoenix
Three programs designed for every investment strategy in the Phoenix market.
DSCR Rental Loans
For Buy & Hold Investors
- No W-2s or tax returns
- Up to 80% LTV
- 30-yr fixed or ARM
- Close in 14–21 days
Fix & Flip Loans
For Renovators
- Up to 90% of purchase
- 100% rehab financing
- 12–18 month terms
- Close in 7–14 days
Construction Loans
For Developers
- Up to 90% LTC
- Interest-only draws
- 12–24 month terms
- ADU & ground-up
Why Investors Choose Phoenix
- Phoenix is one of the fastest-growing cities in the US — population up 15% since 2020
- Strong rental demand from tech workers, healthcare professionals, and remote workers
- Affordable entry prices compared to LA and SF with strong appreciation potential
- Active short-term rental market (Airbnb/VRBO) in Scottsdale, Tempe, and downtown Phoenix
- No state income tax on rental income for out-of-state investors
Top DSCR Markets in Phoenix
Top Fix & Flip Neighborhoods in Phoenix
Where Phoenix-area investors are finding the best flip opportunities right now.
South Phoenix
Lower entry, high upside
Laveen
Growing suburb, strong buyer demand
Maryvale
Affordable inventory, active flip market
Ahwatukee
Family buyers, premium finishes
Get Pre-Approved for a Phoenix Investment Property Loan
Takes 2 minutes. No credit impact. Our team will match you with the right program for your Phoenix deal.
Frequently Asked Questions — Phoenix
What DSCR loan programs are available in Phoenix?
We offer 30-year fixed, 5/1 ARM, and 7/1 ARM DSCR loans for Phoenix-area rental properties. Minimum DSCR of 0.75, up to 80% LTV, no income docs required.
How fast can I close a fix and flip loan in Phoenix?
We close fix and flip loans in Phoenix in as little as 7–14 business days — fast enough to win competitive deals in the Phoenix market.
Can I get a DSCR loan for an Airbnb in Scottsdale?
Yes. We offer short-term rental DSCR loans for Scottsdale and Phoenix-area properties. Income is calculated using AirDNA market data.
Do you offer construction loans in Phoenix?
Yes. We offer ground-up construction loans for Phoenix-area developers, including ADU construction and infill development.
What is the minimum credit score for an investor loan in Arizona?
Most programs require a minimum 620 credit score. Higher scores (700+) unlock better rates and terms.