AZ · Scottsdale
Bridge, Flip & Construction
Loans in Scottsdale, AZ
Bridge, fix & flip, construction, renovation and DSCR loans for residential investment property in Scottsdale, $1M to $5M, term sheet in 24 to 48 hours. For US investors and foreign nationals on the same terms.
Passy Capital finances real estate investors who buy, renovate and build residential investment property in Scottsdale and the neighboring towns: fix & flip loans, bridge loans and ground-up construction loans for spec homes, plus renovation and DSCR financing for the hold. Loans run from $1M to $5M, with a term sheet in 24-48 hours and closing in about two weeks on a clean file.
Scottsdale price points put many of its flips, remodels and spec builds inside our loan range. Investors buy dated houses in established areas such as McCormick Ranch and Gainey Ranch to remodel and resell, tear down and rebuild on larger lots, and hold rentals, including short-term rentals, which Scottsdale licenses property by property.
Investors based outside the US borrow on the same terms as Arizona operators. The loan is made to your US LLC and underwritten on the property, so no US credit history and no Social Security number are required. Business-purpose lending only, on non-owner-occupied property.
Scottsdale Market Highlights
Flips Within Range
Scottsdale price points put many single-family flips and full remodels inside a $1M to $5M loan.
Spec Rebuilds
Dated houses on larger lots are torn down and rebuilt as new spec homes.
Licensed Short-Term Rentals
Each short-term rental needs a city license under Ordinance 4566, plus state tax and county registration.
Trustee Sale in 91 Days
Arizona deeds of trust allow a non-judicial trustee sale no sooner than 91 days after the notice is recorded.
No Transfer Tax
Arizona has no real estate transfer tax, and the state constitution bars new ones.
Same Terms From Abroad
Foreign nationals borrow through a US LLC with no US credit history and no foreign-national premium.
Key Submarkets
Old Town
McCormick Ranch
Gainey Ranch
Scottsdale Ranch
North Scottsdale
DC Ranch
Grayhawk
Troon
Pinnacle Peak
Paradise Valley
Fountain Hills
Cave Creek
Property Types We Finance
Single-Family
2-4 Units
Condos & Townhomes
Small Multifamily (5-9)
Spec Homes
Teardown Rebuilds
SFR Portfolios
Renovation Projects
Loan Programs
Bridge Loans
Buy, refinance or cash out an investment property, closing in about two weeks.
Construction
Ground-up spec homes and build-to-rent, with draws tied to milestones.
Renovation / Rehab
Rehab financing on 1-4 unit and small multifamily, drawn against completed work.
Fix & Flip
Purchase and rehab in one loan for 1-4 unit flips, closing in about two weeks.
DSCR / Rental
Long-term rental financing based on property cash flow.
How we finance Scottsdale deals
- Higher-end flips and full remodels. Purchase and renovation in one loan, up to 90% of cost, sized on the after-repair value. Scottsdale price points mean many flips and full remodels, from McCormick Ranch to the north Scottsdale communities, fall inside our $1M to $5M range.
- Teardowns and custom spec builds. Ground-up construction up to 85% of cost for a spec house on an existing lot, with draws released as work is completed and inspected. We review plans, permits, the budget, the builder's track record and the comparable sales the exit price rests on.
- Short-term rental as the exit. Every property rented for stays under 30 days needs a City of Scottsdale short-term rental license under Ordinance 4566, plus an Arizona transaction privilege tax license and county rental registration. If the plan is to hold the property as a short-term rental, put the licensing in place before the refinance.
- Owners outside Arizona. Under A.R.S. 33-1902, an owner of a residential rental who lives outside the state must name an Arizona statutory agent when registering with the county assessor. A foreign investor's LLC handles this as part of setting up the rental.
See all Arizona markets on our Arizona page, or Phoenix.
Investing in Scottsdale from outside the US
If you are buying in Scottsdale from outside the United States, financing is usually where the process stalls: no Social Security number, no US credit history, and no retail bank willing to underwrite a foreigner. We lend to your US LLC instead, underwrite the property rather than a US profile you have no way to build, and charge no foreign-national premium for it.
Frequently asked questions
What do you finance in Scottsdale?
Fix & flip loans, bridge loans and ground-up construction loans for spec homes, plus renovation and DSCR loans. Loans run from $1M to $5M on single-family, 2-4 units, condos and townhomes and small multifamily up to 9 units.
How much of a Scottsdale flip can you finance?
Up to 90% of cost on fix & flip and renovation, sized on the after-repair value, and up to 85% of cost on a ground-up spec build. Bridge and DSCR loans go up to 80% of value. The fee is 1-2% of the loan, paid at closing, with no upfront fees.
Can a foreign national finance a Scottsdale property?
Yes. The loan is made to your US LLC and underwritten on the property, so a non-resident borrows on the same terms as a US investor, with no US credit history and no Social Security number required. If the property is rented, Arizona requires an owner outside the state to name an in-state statutory agent when registering the rental.
Do I need a license to run a short-term rental in Scottsdale?
Yes. Every property rented for stays under 30 days needs a City of Scottsdale short-term rental license, renewed each year, along with an Arizona transaction privilege tax license.
Learn More
Fix and Flip Financing: How to Fund Your Next Renovation Project
How fix and flip loans work, what loan-to-cost means, and how a renovation loan is sized.
Bridge Loan vs Construction Loan
Which product fits an acquisition, a heavy remodel or a ground-up spec build.
What Documents Does a Foreign National Need?
The file a non-resident assembles for a US investment property loan.
Other Cities in Arizona
We also finance investors across other Arizona markets.
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