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Fast, flexible rehab funding for flips, rentals, and renovations. Same-day approvals on flexible home rehab loans from trusted rehab lenders in Arizona.
Questions about applying? Call or text 480-923-7602.
Rates Starting at Just 10.99%
Fast Approvals in as Little as 1 Hour!
What Are Home Rehab Loans?
Home rehab loans are short-term, investment-focused loans used to purchase and renovate distressed properties, ideal for fix-and-flip or BRRRR strategies. These loans are typically offered by hard money lenders who evaluate deals based on the after-repair value (ARV), not your personal credit.
At Prime Plus Mortgages, we are an Arizona-based rehab lender specializing in helping local investors scale faster with flexible, fast, and reliable funding.
Get Funded Now
Prequalification Form & Investing Guide
Questions about applying? Call or text 480-923-7602.
Why Real Estate Investors Choose Prime Plus Mortgages
Same-Day Approvals
Time is money. That’s why our team reviews your application and offers approval the same day, so you can move quickly on your investment.
Built by Investors, for Investors
We’re not just rehab lenders — we’re real estate investors who understand timelines, margins, and the Arizona market.
No Credit Required
Our loans are asset-based, so your credit score isn’t a factor. We evaluate the deal, not your debt-to-income.
Straightforward Terms
No hidden fees. No surprises. We believe in transparency and long-term partnerships with investors.
How Our Rehab Lending Process Works
| Step | What You Do | What We Do |
|---|---|---|
| 1. Apply | Submit your online application | We begin reviewing your deal |
| 2. Approval | Send over any supporting documents | We issue same-day approval |
| 3. Finalize | Review and sign loan documents | We prepare your closing package |
| 4. Close & Rehab | Close the deal and begin renovations | We remain your lending partner throughout |
What Types of Investors Use Rehab Loans
Our rehab lenders work with a wide range of real estate investors, including:
- Fix & Flip Investors
- BRRRR Method Investors
- Rental Property Owners
- Airbnb & Short-Term Rental Renovators
- Multifamily and Duplex Investors
- Out-of-State Investors Buying in Arizona
Why Work With Prime Plus Mortgages
- Same-day loan approvals
- No credit checks required
- Arizona-based rehab lending experts
- Fast, flexible loan structures
- Transparent process with no hidden fees
- Built by real estate investors, for investors
We understand your timeline, your strategy, and the local market — because we’ve lived it ourselves.
How Asset-Based Lending Works for Arizona Real Estate Investors
If you’re a real estate investor in Arizona, traditional bank loans often don’t cut it for fast-moving deals. Slow approvals, strict credit score requirements, and income verification can delay or kill your deals. That’s where asset-based lending steps in.
With home rehab loans in Arizona, we base approvals on the property itself — not your income or credit score. That means faster funding, fewer documents, and the ability to act quickly when opportunity knocks.
- No income docs required: Approval is based on the value and potential of the property.
- Fast decisions: Most rehab loan approvals in Arizona happen in 24–48 hours.
- Flexible terms for investors: Whether flipping or refinancing, asset-based loans adapt to your exit strategy.
- Leverage your deal: Borrow up to 90% of purchase and 100% of rehab — based on ARV, not red tape.
Whether you’re flipping homes in Phoenix, upgrading a rental in Tucson, or scaling your portfolio, home rehab loans in Arizona give you the leverage to grow.
Benefits of Working with Arizona Rehab Lenders:
- Same-day approvals
- No credit required
- Flexible, asset-based terms
Steps to Getting a Home Rehab Loan:
- Submit your deal info and rehab scope
- Get a quick loan estimate with terms
- Close fast — and start renovations
Why Use Home Rehab Loans for Your Investment?
Compare the benefits of using rehab loans to fund your next flip or rental upgrade.
| Traditional Financing | Home Rehab Loan |
|---|---|
| Requires income verification | No income docs needed |
| Takes weeks to close | Funding in days |
| Limited rehab coverage | Up to 100% rehab funds |
| Designed for owner-occupants | Built for real estate investors |
Home rehab loans give you a faster, more flexible path to funding — perfect for real estate investors ready to act on a great opportunity.
How Does It Work For Real Estate Investors
Whether you’re upgrading a rental or flipping a property, home rehab loans help you move fast. No income docs. No waiting. Just simple, asset-based lending built for investors.
- Submit your property details: Tell us your purchase price, rehab budget, and after-repair value (ARV).
- Get approved quickly: Most investors are approved within 24–48 hours — no income docs or credit score minimums.
- Close and fund fast: Once approved, you get funding to close and renovate — often in just a few days.
- Complete the rehab, refinance or sell: Upgrade the property, flip it for profit, or transition to a long-term loan.
With flexible terms and quick access to capital, rehab loans help you take control of your next project and scale your investment portfolio.
Why Prime Plus Mortgages?
- Up to 90% LTV
- 10 – 16% interest rate
- Asset based, not credit based lending
- Funds available within 24 hours if needed (our loans really are fast)
- Points vary based on the deal and borrower experience
- No pre-payment penalties
Get Prequalified For A Hard Money Loan Today
We’re Arizona’s home rehab lender. Always make sure you apply, because there are occasions where we may be able to negotiate some of the terms.
Frequently Asked Questions About Rehab Lenders
Who are rehab lenders?
Rehab lenders are private, asset-based lenders who provide short-term financing to real estate investors for renovations, flips, and property improvements.
How fast can I get a home rehab loan in Arizona?
You can be approved in as little as 1 hour, with funding available within 48 hours.
Do you fund both flips and rentals?
Yes. We fund BRRRR deals, fix and flips, and full rehab-to-rent projects for non-owner-occupied properties.
