Phoenix–Mesa–Chandler · Direct lender
Investment property loans in Phoenix, AZ
CR Equity AI funds DSCR, bridge and fix-and-flip loans for real estate investors in Phoenix, AZ and across Maricopa and Pinal counties. We finance single-family, 2–4 unit, multifamily, mixed-use and commercial properties, with fix-and-flip funding in 24–48 hours and purchase closings in 9–15 days.
- Coverage
- 48 states
- Terms
- 5 minutes
- Fastest fund
- 24-48 hours
- Loan range
- $75K-$100M
Direct lender. We lend our own capital.
Phoenix investors work a deep stock of 1960s–80s block ranch homes where a cosmetic or mid-level rehab moves value quickly, and many of those flips are later held as rentals. That makes a fix-and-flip loan that can roll into a DSCR refinance the most common path we see in the Valley.
Most of what we finance in the Phoenix–Mesa–Chandler metro: Flip-to-rent in block ranch housing, plus small multifamily and strip retail along the major arterials.
Same national programs apply in Phoenix: DSCR for rentals, bridge for speed-sensitive acquisitions and lease-up, and fix and flip with rehab draws. Soft credit pull to see terms. Business-purpose only — not owner-occupied homes.
What we lend in Phoenix
Same programs as the rest of the site. These pages are the local door — not a second set of terms.
How Phoenix deals usually show up
Fix and flip in Phoenix
Purchase plus renovation with rehab draws sized to after-repair value. Speed matters in Phoenix when contracts are competitive.
DSCR rentals in Phoenix
Long-term or short-term rentals that qualify on the property's rent, not personal tax returns. Common across Mesa, Glendale and Chandler.
Business-purpose CRE in Phoenix
Acquisition, refinance, and value-add on investment property — not owner-occupied homes.
Where we lend in Phoenix–Mesa–Chandler
Counties
- Maricopa
- Pinal
Cities and neighborhoods
- Mesa
- Glendale
- Chandler
- Tempe
- Maryvale
- Laveen
- Gilbert
- Peoria
Local market
Phoenix questions
Soft credit pull only — no hit to your score to get terms Business-purpose lending in 48 states. Typical close 9-15 days.
Yes. CR Equity AI funds DSCR, bridge and fix-and-flip loans for investment properties across Maricopa and Pinal counties, including Mesa, Glendale, Chandler and Tempe. Loans are for business-purpose real estate: single-family, 2–4 unit, multifamily, mixed-use and commercial.
Fix-and-flip loans can fund in 24–48 hours once the file is complete, and purchase loans typically close in 9–15 days. Timing depends on title, appraisal or valuation, and how quickly documents come in.
Yes. A DSCR loan qualifies on the property's rental income compared with its monthly debt payment, so personal tax returns and W-2s are not used to qualify. Credit, reserves and the property itself are still reviewed.
Single-family rentals and flips, 2–4 unit properties, apartment buildings with five or more units, mixed-use buildings and small-balance commercial properties. Owner-occupied homes are not eligible because these are business-purpose loans.
Yes. CR Equity AI uses a soft credit pull only to price a deal, so checking terms does not hit your score. A hard pull happens later, only after you accept terms and move toward closing.
Yes. Many investors finish a renovation with a fix-and-flip loan, lease the property, then refinance into a DSCR loan to hold it. Planning both loans at the start makes the refinance faster.