Fix and flip loans are short-term loans that allow investors to purchase, renovate, and resell properties without traditional bank restrictions.
Prime Plus Mortgages focuses on asset-based lending using the after-repair value (ARV), helping investors get approved quickly based on the property itself rather than their credit score.
Understanding Fix and Flip Loans in Arizona
Flipping houses in Arizona has grown into a thriving investment strategy — driven by migration, housing demand, and rapid appreciation.
A fix and flip loan bridges the gap between opportunity and capital, helping investors close quickly, fund renovations, and scale confidently.
| What It Is | How It Works | Who It’s For |
|---|---|---|
| Short-term, asset-based loans that help Arizona investors buy, renovate, and resell properties for profit using the home’s after-repair value (ARV). | Borrowers use the loan to quickly purchase and rehab a property, then repay after selling or refinancing through Prime Plus Mortgages. | Designed for Arizona real estate investors and first-time flippers needing fast, flexible funding in markets like Phoenix, Scottsdale, and the West Valley. |
How Fix and Flip Loans Actually Work
Find a property below market value.
Fund & rehab your property.
Sell the Property and Earn!
Benefits of Hard Money Loans for Arizona Investors
- Leverage equity to scale multiple projects.
- Close deals quickly and outpace cash buyers.
- Fund non-traditional or distressed properties.
- Build a relationship with a trusted local lender.
Tips for First-Time Flippers
- Budget 10–15% for contingencies.
- Partner with a local contractor who understands ARV expectations.
- Use comps conservatively when estimating resale value.
- Build relationships with agents who specialize in investment properties.
Rated 5-Stars by
Arizona Real Estate Investors
Loan Requirements and Eligibility
To qualify for a fix and flip loan in Arizona, you’ll need:
- A property under contract or purchase agreement.
- A clear rehab budget and timeline.
- Exit strategy (e.g., sale or refinance).
Prime Plus Mortgages guides each borrower through these steps to ensure a smooth, transparent process.
”“As Arizona investors ourselves, we know how competitive this market is.
That’s why Prime Plus Mortgages focuses on fast closings & flexible terms.”
— Loren Howard, Founder, Prime Plus Mortgages
Funded Arizona Fix & Flips
At Prime Plus Mortgages, we fund more than just fix and flips — we help Arizona investors grow.
Whether you’re purchasing a rental property, renovating a home to sell, or tackling a full rehab, our asset-based loans are built for speed and flexibility.
We specialize in funding real estate projects across Phoenix, Scottsdale, Mesa, and the West Valley, offering personalized solutions for every stage of your investment.
If you’ve got a deal in mind, just ask — our team will help you find the right loan to make it happen.
Our 3-Step Funding Process
1
Apply Online
2
Get Approved
3
Get Funded
Apply for a Fix and Flip Loan in Arizona
Prequalification Form & Investing Guide
Or Call 480-923-7602
Frequently Asked Questions
Do I need perfect credit to qualify?
No. We focus on the property and the investment potential.
How fast can I close?
In many cases, within 48 hours after receiving documents.
