Merchants Mortgage & Trust for Arizona investors
Merchants Mortgage & Trust is a direct DSCR lender with a 660 minimum credit score, 0.75 minimum DSCR, and maximum 80% LTV. The company does not publish minimum/maximum loan size or state-coverage figures in the sources reviewed.
Arizona context
Arizona property tax low. Strong Sunbelt growth metros. STR markets active in Scottsdale, Sedona, Phoenix.
How Merchants Mortgage & Trust positions in Arizona
For Arizona specifically, Merchants Mortgage & Trust fits investors who match the hard money approach. The medium cash flow profile of Arizona aggregate makes it workable for Merchants Mortgage & Trust.
City-level coverage in Arizona
Merchants Mortgage & Trust provides DSCR coverage across Arizona metros including Phoenix, Tucson, and Mesa. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Merchants Mortgage & Trust program terms apply uniformly across Arizona metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | — - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Arizona property tax | 0.6% |
| Arizona state income tax | 2.5% |
Merchants Mortgage & Trust strengths in Arizona
- Direct DSCR lender
- 660 minimum credit score
- 0.75 minimum DSCR
- Maximum 80% LTV
Ideal borrower: Investor with a 660+ credit score and at least 0.75 DSCR seeking a direct lender.
FAQ
Likely; verify direct Arizona coverage. Merchants Mortgage & Trust is based in an undisclosed location and operates in states not publicly disclosed.
Phoenix is the top investor market in Arizona and is generally within Merchants Mortgage & Trust states not publicly disclosed footprint. Phoenix property tax follows the Arizona state rate of 0.6 percent. Merchants Mortgage & Trust typically underwrites Phoenix acquisitions at standard rate sheets.
Yes. Tucson ranks among the larger Arizona investor metros and sees consistent DSCR loan volume from Merchants Mortgage & Trust. Submarket variation within Tucson matters for property selection.
Merchants Mortgage & Trust 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 Merchants Mortgage & Trust program.
Merchants Mortgage & Trust does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Arizona property tax low. Strong Sunbelt growth metros. STR markets active in Scottsdale, Sedona, Phoenix. Merchants Mortgage & Trust follows standard business-purpose loan structures.
Merchants Mortgage & Trust funds rental DSCR in Arizona.
Arizona allows standard DSCR prepay structures; Merchants Mortgage & Trust typically uses 3-5 year step down.
Merchants Mortgage & Trust typical close: Not publicly published.
Bottom line
Merchants Mortgage & Trust 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 Merchants Mortgage & Trust.