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Arizona Fix and Flip Loans

We empower entrepreneurs, real estate investors, and businesses of all sizes challenge the status quo. We take risks on the go-getters, and do’ers – who have an opportunity and need a partner.At Delancey Street, we invest in people and their ideas – not abstract concepts like credit scores, or other financial metrics. Tell us about your idea, let’s discuss your opportunity


High LTV

We fund hard money loans up to 80-90% LTV with no issues.



We promise to treat you like a partner


No $ Limit

No limits on what we can do for you.

Business Funding

Our client was a trucking company based out of NY, that needed quick funding. In 24 hours, we arranged $100,000 in funding.

100% Funded!

Residential Refinance

We funded a purchase in California, for $1.2 million with 65% LTV. We helped the developer with with a 11% loan with balloon payment.

100% Funded!

Lawsuit Funding

Client was injured in a car accident and needed a cash advance on the future value of his lawsuit. In 48 hours, our funders wired funds over.

100% Funded!


Hear from people we've helped

Delancey Street makes lending easy. They took a chance on me when no one else would.

Leo kovacz

Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would.

Kevin Johns


Industries We Service

Residential Real Estate
Commercial Real Estate

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

Arizona Fix and Flip Loans

Interested in real estate investment but not sure where to begin? Though you’ll learn the most from gaining hands-on experience, there are a few things you should know before diving into the industry. In most cases, the best place to start is with getting funding for your properties.

Applying for Fix and Flip Loans

Though the application process for fix and flip loans may seem pretty straight forward, it is important to know how to improve your chances of receiving the loan, as well as a loan that is large enough to meet all of your needs. This will help to accelerate the borrowing process, allowing your lender to see that you are indeed a reliable buyer.

1. Create Your Business Plan

Lenders in Arizona for fix and flips tend to loan to borrowers that are rehabilitating properties that are in poor condition, so they expect to see how you intend to rehab the property, as well as how much it will cost. It is up to you to provide them with a thorough business plan detailing what exactly you will do with your loan.

This house flipping plan should include information for every property you are involved with. While it doesn’t need to be exceptionally lengthy, this plan should be a complete analysis of every property you are rehabbing.

Be sure to include the following information in your business plan:

  • The address of each property
  • An analysis of the surrounding neighborhoods
  • Sale prices of comparable homes
  • Your financial projections, timeline, and strategy for flipping
  • Background information for your team
  • A backup plan
  • An appraisal of the property’s current value and estimated value after renovations

A thorough business plan will allow lenders to see that you can be trusted with a loan. The details regarding the value of the property and the scope of the renovation will also ensure that the lender provides you with enough capital to cover your costs.

2. Estimate Renovation Costs Accurately

After going through the application process and receiving a loan for their flip, borrowers often realize that they didn’t ask for enough money. This sort of unfortunate situation can be avoided if the initial estimation is as accurate as possible. In order to get the correct estimation, flippers need to create their scope of work before they apply for the loan.

The scope of work details all the repairs necessary for the renovation, as well as the timeline, and cost of the entire rehabilitation. When creating your scope of work, get the assistance of a contractor and experienced appraiser. Both parties will go through the property analyzing the necessary expenses, as well as price estimations for comparable projects.

The appraiser and contractor will be able to create the quote cost based along a timeline (typically two to three months) to make sure that unknown contingencies are accounted for as well.

3. Include the LTV and ARV

This scope of work should be as comprehensive as possible before you decide to reach out to any lenders. The scope of work must include two important numbers to help the lender assess your need for a loan: the LTV and ARV.

  • LTV compares your loan size with the appraised value of your property. Fix and flips tend to have a maximum LTV of 90%.

    If you are working with a property worth $100,000, a lender providing 90% LTV will allow you to borrow $90,000. The remaining $10,000 must be provided as the down payment.

  • ARV is the appraiser’s estimate for your property once the renovations are complete.

    Lenders may quote the size of the loan with the ARV in mind. This type of lender might go up to 50% ARV, which will translate to A loan of $100,000 as the maximum for a home estimated at $200,000 once the repairs are finished.

Understanding everything that goes into the lending process will help you to get the loan you need to rehab your properties. Keep this information in mind the next time you contact a lender for a loan.

Hard Money Loans

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