Arizona Owner Occupied Hard Money Lenders

Private Hard Money Lenders

Rates from 5.99% APR*

Simple to Apply - Quick Application

Quick Closing
No Up Front Fees

No Cost to Apply

You Will Get the Lowest Rates Possible






We Specialize in Owner Occupied Hard Money Loans in Arizona

Fast/Easy Approval Process

 Up to 90% LTV + 100% Rehab*

Funding in Days

 From $50,000 to $50,000,000*

 No Prepayment Penalties*

 PreApproved in 24 Hours

Flexible Terms From 3 to 60 Months*

Fixed Rate From 5.99%*

Commercial/Construction Loans

Business Loans/Fix&Fip Loans

AirBnB Loans

Rental Property Loans

Just Funded Hard Money Loans

Cash Out
Loan Amount $320,000
12% - Closed in 3 days
Austin TX


Cash Out Mortgage
Loan Amount $560,000
Home Value $999,450
LTV 56% Mesa, AZ


Fix&Flip Mortgage
Loan Amount $90,000
Home Value $247,000
LTV 36% San Tan Valley, CA

Cash Out Mortgage
Loan Amount $3,000,000 @9%
Home Value $4,850,000
LTV 61% Beverly Hills CA


Apartment Purchase
Loan Amount $650,000
Value $1,250,000
LTV 52% Phoenix, AZ


Construction Financing
Loan  $185,000 @ 9.5% 24 Months
Home Value $275,000
Prescott Valley AZ


Rental Purchase
Loan Amount $300,000
8.25% 60 Months
Sedona AZ


Rental Purchase
Loan Amount $450,000
8.0% 60 Months
Scottsdale AZ


Rental 2nd Mortgage
Loan Amount $42,000
18.9% 12 Months
Avodale, AZ

Fix/Flip and Construction Funding


November 10, 2020

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Are Owner Occupied Hard Money Lenders the Real Deal?

Did you know that it is possible to make money with properties that you already live in? This helpful guide will tell you all the secrets about Arizona Owner Occupied Hard Money Lenders to that you can decide for yourself if this is the right investment opportunity for you and your financial goals.

Hard money lenders are here to help you make money with Arizona Owner Occupied Hard Money Lenders. Finding the right lending opportunity for your property is possible and can be a real way to start making some money. With Arizona Owner Occupied Hard Money Lenders, you can have the funding you need to use your own properties as a business opportunity. An owner-occupied hard money loan allows you to turn your personal household or property into a business investment. While there are certain details and legal proceedings that must be followed in order to do owner occupied investing properly, there are plenty of valuable business opportunities related to hard money lending in owner occupied properties that you should consider and possible take advantage of to achieve your own financial goals.

When you use an owner occupied hard money loan, the loan must be specifically used for business purposes. This means that the majority of the funds you received from your owner occupied hard money loan must be used to accommodate the business side of your financial goals. The term ‘owner occupied’ refers to your primary residence, or where you live most of the time. That means that an owner occupied hard money loan can help you start making money out of your own home or primary residence!

Arizona Owner Occupied Hard Money Lenders are ready to help you find the right hard money lending opportunities for your owner occupied property. Since there are so many laws and regulations that must be followed when choosing an owner occupied hard money lender, it is important that you choose your lender carefully. By picking a lender that has previous experience with these types of loans, you can make sure that everything about receiving your loan corresponds with current laws that are in place. While Arizona Hard Money Loans in owner occupied properties can be a great business tool or investment, it is still important to find the right Arizona Owner Occupied Hard Money Lenders to help you achieve your financial goals the right way.

Get Started with Arizona Owner Occupied Hard Money Lenders

If you’re looking to change your source of income or begin to build a business from the comfort of your own home, it may be time to consider lending opportunities with Arizona Owner Occupied Hard Money Lenders. The right hard money lenders can help you easily reach your financial goals and start making real money from home.

Turn your home into a true investment opportunity and get started with making real money.

There is no better time than now to get a jump on this bustling real estate market and to start making real money with hard money lenders.

How to find the perfect Arizona owner occupied hard money lenders

Did you know that you may be able to qualify for an Arizona owner-occupied hard money loan on your primary residence? If you've been denied by the bank or credit union, find out how you can still get funding.

If a bank or credit union has told you that you can't get a loan on a residential mortgage, it might feel like things are hopeless. But banks and credit unions aren't the only lenders out there. Arizona Owner-occupied hard money lenders will sometimes offer funds to people who have little or no alternatives. Some of the reasons people might seek out this type of loan include:

  • They've been involved in a foreclosure, loan modification, bankruptcy or short sale
  • If they have two years or fewer of employment at their current employer
  • They don't have a fantastic credit score
  • They are self-employed and can't show proof of income

Why it can be difficult to get a owner-occupied loan

Owner-occupied hard money lenders are a rare breed these days, especially in Arizona. Most won't even consider handling an owner-occupied loan for a variety of reasons:

  • There's a ton of documentation required
  • There are mandated recession periods, so the funding can take longer to go through
  • Lenders are often required to get special licensing for these types of loans
  • Owner-occupied loans often come with a much greater risk for the lender

But perhaps the most important reason many lenders in Arizona refuse to do owner-occupied hard money loans is the regulations imposed by the Dodd-Frank Act. The Dodd-Frank Act put tight regulations on lenders, requiring them to verify paystubs, W2s, and tax returns to assess the borrower's viability. If they fail to do so, there can be dire consequences from the federal government.

Is an owner-occupied hard money loan right for you?

An Arizona owner-occupied private loan may be the best move for people in the following situations:


  • Those who need time to repair their credit and not lose their residence
  • Those who have been denied a loan at banks and credit unions
  • The borrower wants to pay off high-interest debt and doesn't qualify for a 2nd mortgage
  • Borrowers with a mandatory waiting period for events like foreclosures and short sales

If the banks and credit unions have turned you down, don't lose hope. An owner-occupied hard money lender in Arizona may be able to help.