PRIVATE MONEY LOANS · Arizona (AZ) Underwriting Matrix

Arizona Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) — 2026 Rates, LTV Caps & State Rules

Arizona Private Money Loans provide business-purpose real estate investors with Up to 80% LTV / 85% LTC across loan amounts from $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 Business Days close). In Arizona (AZ), lenders underwrite to a Non-Judicial (Deed of Trust — 91-Day Trustee Sale) statutory framework (95–115 days-day average timeline), a 0.56% average property tax rate (~$208/mo at the $445,000 state median), and $440/$100K hazard insurance (~$163/mo).

Max Leverage / LTC
Up to 80% LTV / 85% LTC
Min FICO: Flexible Credit / Equity-Driven
2026 Rate Band
8.99% – 11.25% Interest-Only
6 to 36 Months Interest-Only
AZ Security Instrument
Non-Judicial (Deed of Trust — 91-Day Trustee Sale)
95–115 days days avg timeline
AZ Avg Tax & Ins
0.56% Tax
$440/$100K Hazard Ins

How Private Money Loans Work in Arizona (AZ)

Private money loans connect real estate investors with non-bank private debt funds, family-office capital, and balance-sheet lenders for time-sensitive acquisitions, partner buyouts, cross-collateralized equity unlocks, and non-conforming investment properties across 1–4 unit and 5+ unit commercial assets.

1. Arizona Median Benchmark

Median 1–4 unit price of $445,000 (75% LTV = $333,750) with Form 1007 rent of $3,150/mo and multifamily rent of $1,750/door.

2. Escrow & Title Underwriting

Arizona operates under a Non-Judicial (Deed of Trust — 91-Day Trustee Sale) regime (95–115 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 12 Business Days)

Close in your Arizona LLC or Delaware LLC registered in AZ with zero personal tax returns, W-2s, or 4506-C transcripts.

Arizona County-Level Property Tax & Insurance Hubs (5)

Explore Other Programs in Arizona

Arizona Private Money Loans (2026) — Up to 80% LTV / 85% LTC, 8.99% – 11.25% Interest-Only | Find Loan Brokers — Match With Verified DSCR, Non-QM & Hard Money Mortgage Brokers by State