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Fix and flip loans in Arizona

Fix and flip financing in Arizona funds the purchase and the rehab budget, sized on cost and capped on after-repair value, with draws released against completed work. The terms are the same in every state Silt lends in; the state-specific part is the closing cost stack, title and the legal process that shapes your acquisition pipeline — especially if you buy distressed inventory.

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PROGRAM TERMS · SAME IN EVERY STATE

Fix & flip terms in Arizona

Silt's terms do not change at the state line. The term sheet reflects the property, the file and the supported value.

Loan amounts
$200K – $8M
Leverage
90% LTC · 70% ARV
Rehab funding
100% of budget
Structure
Interest-only, 12–24 mo
Draws
Funded in 48h, app-based
Residential scope
1–40 units
WHAT IS SPECIFIC TO ARIZONA

Arizona facts that touch this loan

  • Foreclosure. Arizona is listed as a non-judicial-foreclosure jurisdiction: a power-of-sale clause in the deed of trust or mortgage lets the sale proceed without a court judgment, following the statutory notice steps. A.R.S. §33-807 authorizes nonjudicial trustee sales after default; the beneficiary may instead foreclose judicially as a mortgage. Power of sale cannot be exercised before the 91st day after recording notice. [1][2]
  • Statutory transfer fee. A.R.S. § 11-1132 requires a $2 fee before recording a deed or contract transferring real estate, included in the recording charge under § 11-475(A). This is a fixed statutory transfer fee, not a percentage-of-price tax. [3]
  • Licensed escrow channel. Arizona DIFI publishes filed rates for licensed real-property escrow agents. This documents a regulated escrow closing channel, rather than an attorney-only requirement. [4]
  • Foreign LLC registration and passive ownership. A foreign LLC registers before transacting business; the regular Arizona Corporation Commission filing fee is $150. A.R.S. § 29-3905 exempts owning property without more, which should not automatically be extended to an operating rental business. [5][6][7]
  • Residential nonpayment. A.R.S. § 33-1368(B) permits termination of a residential tenancy if rent remains unpaid five days after written notice of nonpayment and intent to terminate. This residential rule is not a commercial-lease notice period. [8]
  • Phoenix permit application. Phoenix requires a short-term rental permit under City Code § 10-197, with a transaction privilege tax license, qualifying liability coverage and county rental registration evidence. Phoenix city limits—not the whole metro—define where this permit rule applies. [9]
  • LPV Rule A and Rule B—not a purchase-price rule. Maricopa County’s limited-property-value Rule A generally increases prior LPV by 5%, capped at full cash value. Rule B applies to specified omitted property, use changes, major construction or destruction and parcel changes; changing a single-family occupant or classification alone is not a use change. This is not a blanket sale-price-reset rule. [10]
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Run your numbers

Up to 90% LTC / 70% ARV; experience tiers may reduce leverage. Simple profit assumes 12 months of interest on the fully drawn loan, excluding fees, selling costs and other carrying costs.

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LARGEST METRO AREAS

Where Arizona's population is

By Census Bureau population estimates, Vintage 2025 (July 1, 2025). Silt lends statewide — these markets are not a limit. Metros are ranked by full-area population among those listing this state first in the Census name; Washington is also included for Virginia and Maryland. Interstate totals are not state-only populations. [11]

  • Phoenix-Mesa-Chandler, AZ
  • Tucson, AZ
  • Prescott Valley-Prescott, AZ
  • Lake Havasu City-Kingman, AZ
  • Yuma, AZ
FAQ

Fix & flip in Arizona: questions investors ask

Does Silt make fix & flip loans in Arizona?

Yes. Arizona is one of the states Silt lends in, and the fix & flip program covers renovation of 1–40 unit residential property.

Is Arizona a judicial or non-judicial foreclosure state?

Arizona is listed as a non-judicial-foreclosure jurisdiction: a power-of-sale clause in the deed of trust or mortgage lets the sale proceed without a court judgment, following the statutory notice steps. A.R.S. §33-807 authorizes nonjudicial trustee sales after default; the beneficiary may instead foreclose judicially as a mortgage. Power of sale cannot be exercised before the 91st day after recording notice.

Do fix & flip terms change in Arizona?

No. The program terms are the same in every state Silt lends in: loan amounts $200K – $8M; leverage 90% LTC · 70% ARV; rehab funding 100% of budget; structure Interest-only, 12–24 mo; draws Funded in 48h, app-based; residential scope 1–40 units. The final term sheet reflects the property and the file.

Can I close in an LLC in Arizona?

Every Silt loan closes in an LLC or corporation, never a personal name. A foreign LLC registers before transacting business; the regular Arizona Corporation Commission filing fee is $150. A.R.S. § 29-3905 exempts owning property without more, which should not automatically be extended to an operating rental business.

What closing taxes should I budget in Arizona?

A.R.S. § 11-1132 requires a $2 fee before recording a deed or contract transferring real estate, included in the recording charge under § 11-475(A). This is a fixed statutory transfer fee, not a percentage-of-price tax.

How do draws and inspections work on a rehab?

Submit photos and invoices from the site through the app. Standard line items are reviewed remotely against the approved budget, and draws are funded in 48 hours.

RELATED
SOURCES
  1. Fannie Mae — Foreclosure Time Frames and Compensatory Fee Allowable Delays Exhibit (method of foreclosure by state)
  2. AZ — Foreclosure statute
  3. AZ — Statutory transfer fee
  4. AZ — Licensed escrow channel
  5. AZ — Foreign LLC registration and passive ownership
  6. AZ — Foreign LLC registration and passive ownership
  7. AZ — Foreign LLC registration and passive ownership
  8. AZ — Residential nonpayment
  9. AZ — Phoenix permit application
  10. Maricopa County Assessor — Understanding Limited Property Value
  11. U.S. Census Bureau — Vintage 2025 metro resident-population estimates (July 1, 2025)

Estimates on this page are not a commitment to lend. State facts reviewed October 2026; laws and rates change — confirm with your title company or attorney.