Looking for an Arizona hard money lender that underwrites like an operator, not a retail bank? Lendoor is an Arizona-based private real estate lender and Arizona-registered direct lender with in-house underwriting. We fund fix & flip, ground-up construction, bridge, and DSCR loans for active investors, terms in 24 hours, most deals closing in days.
If you buy, build, or refinance investment property in Arizona (or nationwide), this page is your program map: who we serve, how hard money differs from banks here, the live numbers on our four programs, and how to submit your deal.
This page is written for people who already run deals, not for first-time homebuyers shopping a 30-year purchase mortgage.
Builders and ground-up sponsors running 1-20 unit spec, ADUs, infill, or build-to-rent who need construction capital with interest reserves and clear LTC/LTV caps.
Fix-and-flip and heavy-rehab investors buying SFH, 2-4 unit, or luxury assets who need rehab dollars stacked with purchase leverage, and who want a lender that prices experience and credit honestly.
Bridge and 1031 buyers who need speed on auction, portfolio stabilization, or bridge-to-long-term without a rehab scope, and without prepayment friction on the bridge product.
DSCR and cash-flow investors holding or acquiring SFR, STR, 2-10 unit, or BRRRR refis who want long-term debt underwritten on property cash flow, not W-2s and tax returns.
If that is you, Arizona hard money loans from a direct lender are usually a better fit than waiting on a conventional credit committee. If you want the education layer first, start with Hard Money Lenders Explained and our Hard Money vs Conventional Loan breakdown.
Banks and hard money lenders in Arizona serve different jobs. Banks optimize for documented personal income, long amortizations, and low rate at the cost of time and condition lists. A private money lender that Arizona investors use for flips, construction, and bridge, hard money included, optimizes for the asset, the exit, and the operator track record.
All numbers below match Lendoor live loan programs. Income docs are not required. Rates are from floors.
Full compare table: loan programs.
Lendoor process is built for operators who cannot wait on a bank calendar.
Lendoor is an Arizona-based private real estate lender, Arizona-registered, direct, with in-house underwriting. We fund ground-up, fix & flip, DSCR, and bridge nationwide, with transparent quotes and an operators-first underwriting culture.
Local proof point (attributed): Hank R. Builder · AZ, ground-up closed in eight days.
Contact: 623-278-7111 · hello@lendoor.com · Contact. More on who we are: About Lendoor.
We fund investment real estate across Arizona and nationwide (46 states). On-site presence points to Chandler in the Phoenix metro. Flips, infill, build-to-rent, and rental DSCR plays across the Valley and the rest of the state all run through the same published program matrix.
If your Arizona market is outside the Phoenix metro, submit your deal; the program matrix still governs.
An Arizona hard money lender provides private, asset-based financing for investment real estate, typically shorter terms, faster closes, and underwriting focused on the property and exit rather than personal income docs. Lendoor is an Arizona-based, Arizona-registered direct lender funding fix & flip, ground-up, bridge, and DSCR.
You get terms in 24 hours after a complete submission. Most deals close in 7-10 business days. By program: Bridge 7-10 days; Fix & Flip 7-14 days; Ground-up 14-21 days; DSCR 14-21 days.
Income docs are not required across Lendoor programs. DSCR underwriting is property-cash-flow based; short-term programs focus on collateral, experience, and exit.
Minimums from the live programs page: Fix & Flip and Ground-up min FICO 640+; DSCR min FICO 660. Fix & Flip also has an experienced track requiring 720+ with 10+ completed deals for max leverage, and a High FICO / Zero Experience Program at 90% LTV.
Yes. Lendoor funds ground-up, fix & flip, DSCR, and bridge nationwide while remaining an Arizona-based direct lender.
Use fix & flip when rehab is part of the plan. Use bridge / no rehab for 1031, auction, portfolio stabilization, or a short runway with no rehab and no prepay. Use DSCR when you are buying or refinancing to hold on rental cash flow. Use ground-up when you are building. See also Bridge Loan vs DSCR Loan.
A broker shops your file. A direct lender underwrites and funds. Lendoor is an Arizona-registered direct lender with in-house underwriting and transparent quotes.
Submit your deal, about three minutes, no tax returns. Questions: Contact, 623-278-7111, or hello@lendoor.com.
Ready to price Arizona hard money loans against a live file? Submit your deal for terms in 24 hours. Review live leverage, rates-from, and close ranges on loan programs, or talk to the team via Contact.
Coming education pages: Arizona Fix & Flip · Arizona Ground-Up · Arizona DSCR after flip · Hard Money vs Banks AZ
Dana Lefkowitz is the Co-Founder of Lendoor LLC and a licensed mortgage loan originator (NMLS #1997062) specializing in private real estate financing for investors nationwide.
Lendoor LLC is an Arizona-registered direct lender and registered trademark holder. Lendoor LLC is not affiliated with Lendoor Inc. (a defunct New York corporation), any cryptocurrency platform, or any crowdlending service.
Dana Lefkowitz NMLS# 1997062. Loans originated through Lendoor LLC in partnership with licensed mortgage brokers. NMLS Consumer Access: nmlsconsumeraccess.org.
