Fix and Flip Loan Arizona
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Last updated: March 31, 2025
OfferMarket is not NMLS licensed in Arizona. To serve real estate investor clients in Arizona, we operate as a rate shopping service and process your loan with the most competitive licensed capital provider on our platform.
Arizona real estate investors are capitalizing on the state’s population growth, demand for renovated housing, and strong resale margins. Whether you're flipping houses in Phoenix, rehabbing rentals in Tucson, or revitalizing small towns across the state, you need fast, flexible capital to succeed.
OfferMarket’s Fix and Flip Loan program is designed specifically for real estate investors who need reliable, low-cost funding to purchase and renovate residential properties. With fast approvals, high leverage, and no prepayment penalties, our loan platform helps you stay competitive in the fast-paced Arizona market.
Why Arizona Is a Prime Market for Fix and Flip Investors
Arizona offers a rare combination of growth, affordability, and appreciation. Investors are attracted to:
- Rapid population growth in Maricopa, Pinal, and Pima Counties
- High rental demand from workforce migration and retirees
- Low property taxes and business-friendly regulations
- Opportunity in both metro and rural markets
- Strong buyer appetite for move-in-ready, renovated homes
With more people migrating into the state, the need for quality housing continues to rise.
What Is a Fix and Flip Loan?
A Fix and Flip loan is short-term financing designed to help real estate investors acquire, renovate, and resell or refinance residential properties. It’s a fast, flexible loan option that lets you close quickly and fund your rehab budget through a construction holdback.
Key benefits of our Arizona Fix and Flip Loan:
- Close in as little as 5 business days
- Up to 90% purchase and 100% rehab financing
- Interest-only monthly payments
- 12-24 month loan term with optional extensions
- No prepayment penalties
- Draws funded within 1–2 business days
- As-is value and after-repair value (ARV) underwriting options
- Available across urban, suburban, and rural Arizona
Arizona Markets We Serve
We provide fix and flip loans throughout Arizona, including:
- Phoenix Metro: Phoenix, Mesa, Chandler, Scottsdale, Glendale, Gilbert, Tempe
- Tucson Metro: Tucson, Oro Valley, Marana, Sahuarita
- Northern Arizona: Flagstaff, Prescott, Sedona
- Southern Arizona: Sierra Vista, Douglas, Nogales
- Rural Arizona: Yavapai, Cochise, Mohave, and Navajo counties
Program Eligibility and Terms
Below is a breakdown of our core fix and flip loan terms for Arizona real estate investors:
| Criteria | Arizona Fix and Flip Loan |
|---|---|
| Loan Amount | $25,000 – $2,000,000 |
| Property Type | 1-4 unit residential (non-owner occupied) |
| Minimum Credit Score | 680 (660 on exception) |
| Initial Advance | Up to 90% of purchase price |
| Construction Holdback | Up to 100% of rehab budget |
| Maximum LTARV | 75% |
| Interest Rate | Market-based, instant quote available |
| Loan Term | 12 to 24 months |
| Structure | Interest-only with balloon at maturity |
| Prepayment Penalty | None |
Experience-Based Tier System
Your experience level determines your maximum leverage and eligibility for more complex projects. Here's how it works:
| Tier | Completed Projects | Max Initial Advance | Scope Eligibility |
|---|---|---|---|
| 1 | 0 | 80% | Light only |
| 2 | 1–2 | 85% | Light, Moderate |
| 3 | 3–4 | 85% | Light, Moderate, Heavy |
| 4 | 5–9 | 90% | All scopes |
| 5 | 10+ | 90% | All scopes |
Scope of Work Categories
We classify rehab budgets into 4 project scopes:
- Light: <25% of purchase price (e.g., paint, floors, fixtures)
- Moderate: 25–49.99% (e.g., kitchens, bathrooms, roof)
- Heavy: 50–99.99% (e.g., mechanicals, reconfiguration)
- Extensive: 100%+ (e.g., additions, teardown, ADU)
More experience means greater rehab scope eligibility.
Rural Property Guidelines for Arizona
Rural Arizona markets offer investors great opportunities, but require added underwriting care.
If your property is in a rural zip code (as defined by USDA/CFPB):
- Maximum initial advance is reduced by 20%
- Minimum Tier 3 experience required
- Property must have verifiable comps within 5 miles
- Maximum lot size: 5 acres
- Appraisal must support as-is value and ARV
- Project must show clear exit strategy and 1.1+ DSCR if refinance
Counties like Apache, Greenlee, La Paz, and parts of Yavapai are eligible but must meet stricter guidelines. Review our rural designation guide to see if your property is considered rural.
Arizona Fix and Flip Examples
Phoenix
- Purchase Price: $220,000
- Rehab Budget: $45,000
- ARV: $350,000
- Tier: 4
- Initial Advance: $198,000 (90%)
- Holdback: $45,000
- LTARV: 69.4%
Flagstaff (Rural)
- Purchase Price: $183,000
- Rehab Budget: $60,000
- ARV: $320,000
- Tier: 5
- Initial Advance (adjusted): $119,000
- Holdback: $60,000
- LTARV: 56.25%
Draw Process
Construction holdback funds are reimbursed as work is completed. We make it fast and predictable:
- Draws processed in 0–2 business days
- No minimum draw amount
- Self-serve inspections via app
- Draw fee: $0* to $300
- Wire fee: $0
- Max draw amount: 100% of remaining budget
- Materials delivered (but not installed): up to 50% reimbursed
(*) Your loan may be eligible for no draw fee.
What Makes OfferMarket Different?
✅ Speed: Fast closings and draw reimbursements ✅ Trust: <0.5% lifetime foreclosure rate ✅ Flexibility: Dual exit strategy support (flip or BRRRR) ✅ Experience-friendly: High leverage for pros ✅ Low cost: Transparent pricing, no junk fees ✅ Tech-enabled: Streamlined processing and draw tracking
Getting Started
- Get instant quote – takes 2 minutes, no credit check to see rates
- Upload documents – contract, SOW, bank statements, ID, entity docs
- Valuation ordered – appraisal or in-house
- Clear conditions and close
- Fund draws as work progresses
Ready to fund your Arizona deal?
We specialize in helping real estate investors across Arizona move fast, reduce risk, and scale their business. Whether you're flipping a ranch house in Chandler or stabilizing a duplex in Yuma, we’re here to help.
Let’s build wealth together—one project at a time.
