LendingOne for Arizona investors
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
Arizona context
Arizona property tax low. Strong Sunbelt growth metros. STR markets active in Scottsdale, Sedona, Phoenix.
How LendingOne positions in Arizona
The Arizona lender pool for DSCR includes LendingOne among the active platforms. Arizona top metros (Phoenix, Tucson, Mesa) see meaningful LendingOne loan volume.
City-level coverage in Arizona
LendingOne provides DSCR coverage across Arizona metros including Phoenix, Tucson, and Mesa. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LendingOne program terms apply uniformly across Arizona metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Arizona property tax | 0.6% |
| Arizona state income tax | 2.5% |
LendingOne strengths in Arizona
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including Arizona. LendingOne is based in Boca Raton, FL and operates nationally.
Phoenix is the top investor market in Arizona and falls within LendingOne national coverage. Phoenix property tax follows the Arizona state rate of 0.6 percent. LendingOne typically underwrites Phoenix acquisitions at standard rate sheets.
Yes. Tucson ranks among the larger Arizona investor metros and sees consistent DSCR loan volume from LendingOne. Submarket variation within Tucson matters for property selection.
LendingOne applies the same rate sheet across Arizona metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Phoenix, Tucson, and Mesa all qualify for the same LendingOne program.
LendingOne indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
Arizona property tax low. Strong Sunbelt growth metros. STR markets active in Scottsdale, Sedona, Phoenix. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in Arizona.
Arizona allows standard DSCR prepay structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
LendingOne in Arizona works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.