What is a short sale loan for real estate investors?

Short sale loans are fast, asset-based loans that help investors buy properties below market value before foreclosure, often under tight bank timelines.

Can I get a short sale loan without income verification?

Yes. At Prime Plus Mortgages, we offer no-income, no-credit loans based on the value of the property — not your personal finances.

How fast can I close with a short sale loan?

Many investors in Arizona are approved in 24 hours and funded within 2–3 days depending on title and underwriting.

Short Sale Loans in Arizona for Real Estate Investors

Fast, asset-based funding to help you close, even with tight timelines or distressed properties.

★ ★ ★ ★ ★

Over 180+ 5-Star Reviews

Get approved on your timeline for your next deal. No income checks or credit checks required.

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Questions about applying? Call or text 480-923-7602.

Rates Starting at Just 10.99%
Fast Approvals in as Little as 1 Hour!

    
 
 
         
   Brian P 
 
 
 
 Trustindex verifies that the original source of the review is Google. I’m giving them 5 stars before I apply for a loan . 💵 helps.
  
 
        
   viryriana mancillas 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very grateful with Bob and the team from Prime Plus Mortgage, so helpful and I appreciate the patience they have. We are very satisfied and looking forward to working with Bob and the team with more loans in the future.
  
 
        
   nancy montano 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bob was really knowledgeable and great throughout the entire process, everything was done very quickly and we were able to successfully close on this investment property thanks to his wonderful team! I recommend working with them 1000%
  
 
        
   Britany Statt 
 
 
 
 Trustindex verifies that the original source of the review is Google. Prime Plus really helped me in a bind. My usual hard money lender was unable to close with the date I needed. I reached out to Prime Plus and they were able to make it happen. Very friendly, easy to apply, great rates. I will definitely be using them again!
  
 
        
   Kyle Gaughen 
 
 
 
 Trustindex verifies that the original source of the review is Google. Easy to do business with and minimal fees with good terms!
  
 
        
   Junior Villagomez 
 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome experience! Turnaround was fast easy and smooth! Appreciate the transparency! The beginning of something big!
  
 
        
   Matt Thompson 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend Prime Plus for a hard money loan! Bob and his team are very easy to work with and helped get my first flip funded.
  
 
        
   Bobby Agron 
 
 
 
 Trustindex verifies that the original source of the review is Google. Bob came in and saved the day.  After losing a deal from another lender we were able to have Prime Plus in 48 hours put the entire thing together and fund on time.  Plus the fees and deal itself saved us more money in the end also!  Thanks Bob.  See you on the next deal.
  
 
        
   Rachel Barley 
 
 
 
 Trustindex verifies that the original source of the review is Google. We were in a bind with our lender and Bob worked nothing less than what I can call magic to get us closed in 72 hours. Highly recommended, extremely professional and responsive. I could not give any higher praise to Bob and his team.
  
 
        
   Norma Lopez 
 
 
 
 Trustindex verifies that the original source of the review is Google. super easy and everyone was very helpful throughout the process

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About Short Sale Loans

Short sale loans are short-term, hard money loans that allow investors to purchase distressed properties below market value, typically before foreclosure. In Arizona’s competitive market, short sales present a unique opportunity to acquire homes at a discount.

Because banks are trying to avoid foreclosure losses, they are motivated to sell the property quickly, but they often require buyers to close fast. That’s where short sale loans come in. These loans are designed for real estate investors who need funding to act fast on time-sensitive deals.

Get Funded Now

Prequalification Form & Investing Guide

Questions about applying? Call or text 480-923-7602.

Why Real Estate Investors Use Short Sale Loans

Investor Challenge	How Short Sale Loans Help
Tight bank deadlines	Get approved and funded in 24–48 hours
Low property condition	No condition requirements — asset-based only
Low credit or self-employed	No income or credit score required
Need to fund rehab too	Up to 100% rehab cost coverage available

How Our Arizona Short Sale Loan Process Works

Apply

Receive Confirmation

Receive Funding

Flip Or Rent It

Why Arizona Investors Choose Prime Plus for Short Sale Loans

Deep understanding of Arizona foreclosure and short sale timelines
In-house underwriting, we move fast when others stall
We lend on distressed and under-market properties statewide
Over 180+ 5-star reviews

Benefits Of Our Short Sale Loans In Arizona

Fast Turnaround

Full Coverage

Seamless Process

Asset Based

Who Are Short Sale Lenders?

Basically, short sale lenders are lenders that are willing to let property go for less than what is owed on the mortgage. A Phoenix hard money lender that approves a short term loan is not necessarily titled as a short sale lender. Most mortgage lenders deal with this type of loan not by choice but because they have to in order to lose as little as possible. One example is Prime Plus Mortgages, a mortgage company that is not deemed a short sale lender but does handle short sale loans among many other Phoenix hard money loan types.

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Short Sale Lenders Scottsdale Phoenix Arizona

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 short sale lender. Always make sure you apply, because there are occasions where we may be able to negotiate some of the terms.

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Short Sale Loans in Arizona for Real Estate Investors

Rates Starting at Just 10.99%
Fast Approvals in as Little as 1 Hour!

About Short Sale Loans

Get Funded Now

Why Real Estate Investors Use Short Sale Loans