Arizona Hard Money Lender
Arizona
Arizona is the 6th largest and 14th most populous state in the United States. Known for its arid desert landscapes, it is bordered by California to the west, Utah to the north, New Mexico to the east, and the Mexican state of Sonora to the south. Southern Arizona features a desert climate with extremely hot summers and mild winters, while northern Arizona boasts forests of pine, Douglas fir, and spruce trees, as well as the Colorado Plateau and mountain ranges.
Quick Stats:
All our financing programs support the following investment options; for a complete list, please visit our loan programs page:
Money Lender
Arizona Real Estate Lending
Lending in Arizona
Onyx Capital Lending is fully licensed and actively funding real estate investments across Arizona. We provide tailored financing solutions including:
- Fix & Flip & DSCR
- Bridge Loans
- Multifamily & New Construction
In a market driven by strong Phoenix metro in-migration and robust rental demand, speed is critical. We close deals in as few as 14 days so you can secure high-yield opportunities.
Sample Deal
- Location: Phoenix, AZ (SFR Fix & Flip)
- Loan Amount: $625,000 (70% LTV)
- Timeline: Funded in 12 business days
- Underwriting: No tax returns or income verification required
The investor needed to move fast to beat a competing cash offer on a dated 1970s ranch. We provided the necessary leverage for both the rapid acquisition and a light rehab budget—closing entirely without personal income verification.
Arizona FAQs
How does the foreclosure process work?
Arizona is primarily a non-judicial state utilizing Deeds of Trust. This allows for a predictable timeline for lenders, typically taking around 90 days once notice is filed.
Is Arizona favorable for landlords?
Yes, it is known for investor-friendly tenant laws. While we don't provide legal advice, eviction processes for non-payment are generally faster and more straightforward than in coastal markets.
What drives local rental demand?
Consistent in-migration, particularly into the Phoenix and Tucson metros, creates sustained housing demand. This outpaces supply and heavily supports strong DSCR and multifamily metrics.
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22 Parsonage St, Providence, RI 02903, USA
Onyx Capital Lending is a private real estate lender licensed under NMLS #2123236. Richard Morency, NMLS #1987012. All loans are for business-purpose investment properties only. Onyx Capital Lending does not offer consumer mortgage loans or loans for owner-occupied residential properties. Loan approval is subject to underwriting review, property valuation, and applicable state regulations, including those specific to Arizona. Rates, terms, and availability are subject to change without notice. Lending is available in 48 states, including Arizona. Not all loan types are available in every state.