Hard money fix and flip loans are short-term, real estate investment loans designed to help investors quickly purchase, renovate, and resell properties. These loans are funded by private lenders, like Prime Plus Mortgages, and are ideal for investors looking to move fast in competitive Arizona markets.
Prime Plus Mortgages makes it easy for new investors in Arizona to get funded fast!
Why Investors Choose Hard Money Loans in Arizona
- Speed Matters – Close in days, not weeks
- Flexible Qualifications – No bank red tape or income verification hassles
- Fund Rehab Projects – Perfect for properties that need repairs
- Local Market Experts – We fund projects across Arizona, and know the local real estate landscape inside and out
How to Qualify for a Hard Money Fix and Flip Loan
| Requirement | What We Look For |
|---|---|
| Arizona Property | We only lend on properties located in Arizona. |
| Property Under Contract | You must have a property under contract or ready to close. |
| After Repair Value (ARV) | We evaluate the projected resale value post-renovation. |
| Rehab Budget | A basic renovation plan and cost estimate help us structure your loan. |
| Exit Strategy | Have a clear plan to sell or refinance after the flip is complete. |
Our 3-Step Funding Process
1
Submit Your Deal
Apply online and share your property & rehab plan
2
Get Approved Fast
Most approvals happen in 24–48 hours
3
Get Funded
Close fast and start renovating with confidence
”"Hard money loans give investors the speed and flexibility they need to flip properties profitably, even on their first deal."
— Loren Howard, Founder, Prime Plus Mortgages
Benefits of Working With Prime Plus Mortgages
- Investor-Focused Lending – We specialize in fix and flip deals
- Lightning-Fast Approvals – No long waits or complicated paperwork
- Rehab-Friendly Loans – We fund purchase + renovation costs
- Arizona Experts – We understand the local market and flip cycles
Fix and Flip Loans vs. Traditional Mortgages
| Feature | Fix and Flip Loan (Hard Money) | Traditional Mortgage |
|---|---|---|
| Approval Time | 24–48 hours | 3–6 weeks |
| Funding Speed | Fast closings (in days) | Slow closings with bank delays |
| Credit Requirements | Flexible – deal-focused | Strict – credit score & income heavy |
| Property Condition | Distressed OK – rehab expected | Must be move-in ready |
| Use of Funds | Purchase + Renovation | Purchase only (usually) |
| Loan Term | Short-term (6–12 months) | Long-term (15–30 years) |
| Ideal For | Investors flipping homes | Homebuyers or rental property owners |
Who Are Hard Money Fix and Flip Loans Best For
- First-time or experienced investors
- Buyers looking at distressed or fixer-upper homes
- Investors who need to act fast in a competitive market
- Anyone flipping homes in Arizona only
Reviews From Our Investors
Basic Loan Requirements
To qualify, you’ll need:
- A property under contract or ready to close
- A renovation budget and timeline
- A basic plan to sell or refinance the property
- Fair or better credit (no perfect credit needed!)
Real Projects Funded in Arizona
Ready to Flip Your First Property?
Get pre-approved today and move fast on your next deal. We fund fix and flip projects across Arizona, no experience required.
Frequently Asked Questions
What is a hard money fix and flip loan?
A hard money fix and flip loan is a short-term loan used by real estate investors to purchase and renovate a property quickly. It’s asset-based, meaning the property secures the loan—not your income or credit.
How fast can I get funded?
Most hard money loans from Prime Plus Mortgages are approved within 24–48 hours, with closings possible in just a few days. This speed gives investors a competitive edge in the Arizona market.
How fast can I get approved?
In as little as 24 hours after application.
