Bridge Loans in Arizona: what to know
- Bridge Loans are business-purpose loans, so you do not need to live in Arizona to finance property here. We arrange them for Arizona properties through our national lender network.
- Arizona is a community-property state; FHA and VA lenders count a spouse’s debts even if the spouse is not on the loan.
Who it is for
- Buying before a sale or 1031 closes
- Light-rehab or lease-up properties
- Paying off a maturing loan while you stabilize
Typical Bridge Loans requirements in Arizona
| Max LTV | Typically 65–80% |
|---|---|
| Terms | 6–24 months, interest-only |
| Rates and points | Roughly 9–12% plus 1–3 points |
| Exit | Sale or refinance, usually into a DSCR or conventional loan |
| Closing speed | Often 1–3 weeks |
Figures are typical market ranges as of October 2026. Actual terms depend on the lender, your credit, the property and the program, and are confirmed on your Loan Estimate or term sheet.
How it works
- Show the property, value and exit plan.
- The lender sizes the loan to value and exit strength.
- Close, stabilize or sell, then pay off.
Try the Fix and Flip Profit Calculator
Pros and cons
Advantages
- Speed
- Flexible on property condition
- Interest-only
Trade-offs
- Higher cost than permanent loans
- Short term creates exit risk
Documents you’ll need
- Purchase contract or current payoff
- Exit strategy
- Bank statements
- Entity documents
Bridge Loans FAQ
Can I get a Bridge Loan in Arizona?
Yes. Bridge Loans are available for Arizona investment properties where state law permits, through our national lender network.
Do I need to live in Arizona?
No. Investment-property loans are based on the property and the deal, so out-of-state investors can finance Arizona rentals and flips.
Is a bridge loan the same as hard money?
They overlap. “Hard money” stresses the asset-based approval from private lenders; “bridge” describes the short-term purpose. Many loans are both.
How fast can a bridge loan close?
Often 1 to 3 weeks. The appraisal or valuation is usually the longest step, so anything you can do to speed that up helps.
What does a bridge loan cost?
Rates typically run 9 to 12% with 1 to 3 points at closing. You are paying for speed and flexibility, so have your exit planned before you sign.
How long do bridge loan terms last?
Usually 6 to 24 months, interest-only. The whole point is a clear exit, either a sale or a refinance into permanent financing.
What can I use a bridge loan for?
Buying before a sale closes, covering a 1031 exchange gap, light rehab or lease-up, or paying off a loan that is about to mature.
What is the max LTV on a bridge loan?
Typically 65 to 80% of value, depending on the property and your exit plan. A stronger exit usually means more leverage.
Do I need good credit for a bridge loan?
Credit matters less than the deal itself. Lenders focus on the property value, your equity and whether the exit plan is realistic.
Can I extend a bridge loan?
Most lenders offer extensions for a fee, often 0.5 to 1 point per extension. Ask about extension terms up front so there are no surprises.
Bridge loan vs fix and flip loan: what is the difference?
Fix and flip loans are built around a rehab budget with draw schedules. Bridge loans are simpler short-term financing for timing gaps, with or without light rehab.
How Bridge Loans compare
| Bridge Loans | Hard Money Loans | Fix and Flip Loans | DSCR Loans | |
|---|---|---|---|---|
| Best for | Buying before a sale or 1031 closes | Auction, foreclosure and off-market deals that need to close in days | Buying distressed or dated properties to renovate and sell | Investors whose tax returns show low income after write-offs |
| Down payment | , | , | , | 20–25% down; up to 80% LTV on purchase |
| Credit | , | Flexible; the property drives approval | Typically 620–680 | Typically 620–680 (some programs 600) |
| Income docs | , | , | , | , |
Typical ranges, your Loan Estimate or term sheet confirms actual terms.
Coming soon: a 2-minute walkthrough from our loan team.
Related programs
Hard Money Loans
A hard money loan is a short-term investment-property loan from a private lender that approves mainly on the property’s value and the deal, not your income or credit history.
Fix and Flip Loans
A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.
DSCR Loans
A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).