AZ · Tucson
Bridge, Flip & Construction
Loans in Tucson, AZ
Bridge, fix & flip, construction, renovation and DSCR loans for residential investment property in Tucson, $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 Tucson and Pima County: bridge loans, fix & flip loans and ground-up construction loans for spec homes and build-to-rent, 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.
Tucson investors renovate older houses and small multifamily near the University of Arizona and downtown, build spec homes and rental communities in the growth areas to the northwest and southeast, and hold rental portfolios. The university, Davis-Monthan Air Force Base and the regional healthcare systems are the main sources of rental demand.
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.
Tucson Market Highlights
University Rental Demand
Properties near the University of Arizona rent to students and staff, which supports renovation and hold strategies.
Growth Edges
Marana, Oro Valley, Vail and Sahuarita supply lots for spec homes and build-to-rent.
Water Supply Rules
New subdivisions in the Tucson area need a 100-year assured water supply, checked before a construction loan is sized.
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 City Tax on Long-Term Rents
Arizona cities have been barred from taxing residential rentals of 30 days or more since January 1, 2025.
Same Terms From Abroad
Foreign nationals borrow through a US LLC with no US credit history and no foreign-national premium.
Key Submarkets
Sam Hughes
University
Downtown / Armory Park
Midtown
Catalina Foothills
Tanque Verde
Oro Valley
Marana
Dove Mountain
Rita Ranch
Vail
Sahuarita
Property Types We Finance
Single-Family
2-4 Units
Condos & Townhomes
Small Multifamily (5-9)
Spec Homes
Build-to-Rent
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 Tucson deals
- Multi-property and larger projects. Our loans start at $1M, so in Tucson the files we finance are usually several houses bought or renovated together, small multifamily up to 9 units, build-to-rent communities, rental portfolios, or higher-end flips in the Catalina Foothills.
- Renovations near the university and downtown. Purchase and renovation in one loan, up to 90% of cost, for older single-family and small multifamily close to the University of Arizona and in the central neighborhoods, where rental demand from students and staff supports the hold.
- New construction and water supply. Ground-up construction up to 85% of cost for spec homes and build-to-rent in Marana, Oro Valley, Vail and Sahuarita. New subdivisions in the Tucson area need a 100-year assured water supply, so we confirm the lot is in an approved subdivision or inside a designated water provider's service area.
- Rental registration. Every residential rental must be registered with the Pima County Assessor (A.R.S. 33-1902), and an owner who lives outside Arizona must name an in-state statutory agent.
See all Arizona markets on our Arizona page, or what we fund.
Investing in Tucson from outside the US
If you are buying in Tucson 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 Tucson?
Bridge loans, fix & flip loans and ground-up construction loans for spec homes and build-to-rent, plus renovation and DSCR loans. Loans run from $1M to $5M on single-family, 2-4 units, condos and townhomes, small multifamily up to 9 units, build-to-rent and SFR portfolios.
Can I finance several Tucson rentals in one loan?
Yes. A DSCR loan up to 80% of value can cover a portfolio of rentals held in one LLC, sized on the rent against the debt. If the houses still need work, a bridge or renovation loan funds the purchase and the work first.
Can a foreign national finance Tucson investment 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.
How fast can a Tucson loan close?
Term sheets go out within 24-48 hours, and a clean file closes in about two weeks. The fee is 1-2% of the loan, paid at closing, with no upfront fees.
Learn More
Financing a $1M to $5M Residential Investment Property
Bridge, fix & flip, construction and DSCR options compared for deals in our range.
How a Foreign National Uses a US LLC and a DSCR Loan
The structure a non-resident uses to buy and hold US rental property.
Can I Refinance a Bridge Loan Into a DSCR Loan?
How a finished renovation or build moves from short-term financing to a long-term rental loan.
Other Cities in Arizona
We also finance investors across other Arizona markets.
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