Hard Money Lenders in Tempe
Asset-based loans for Tempe real estate investors. Close in 7 to 14 days. No income docs required. We connect you with capital sources in our network serving the entire Tempe metro and East Valley market.
Why Tempe investors choose Buckle Up Capital
Strongest Student Rental Market in the Southwest
Arizona State University enrolls over 80,000 students, making it the largest university in the United States by enrollment. That population creates the most reliable student rental demand in the Southwest. Capital sources in our network fund ASU-adjacent deals at every price point with asset-based underwriting that focuses on occupancy fundamentals.
Better Margins Than Scottsdale
Tempe's median home price sits below $450K versus Scottsdale's $700K plus. Lower acquisition costs on infill and light rail corridor properties translate directly into stronger fix and flip margins and higher cap rates on rental conversions. Capital sources in our network are comfortable with Tempe deal structures at every price point.
Landlord-Friendly Tax Advantage
Arizona charges no state income tax on rental income. Combined with landlord-friendly eviction law, Tempe rental properties produce net cash flow that supports debt service on hard money bridge loans and DSCR refinances. No-income-tax economics improve every pro forma calculation for out-of-state investors entering the Tempe market.
Tempe neighborhoods we fund
ASU Campus Area
The highest-demand student rental corridor in the Southwest. Properties within walking distance of Arizona State University command premium rents and near-zero vacancy. Fix and flip investors and rental conversion buyers compete aggressively for dated inventory in this zone throughout the year.
Tempe Town Lake
Waterfront revitalization district anchored by the Town Lake entertainment corridor, Tempe Center for the Arts and new residential development. Town Lake has driven consistent ARV appreciation on adjacent blocks. Young professional renters and owner-occupants priced out of Scottsdale are the primary demand driver.
Downtown Tempe
Mill Avenue retail and entertainment core directly adjacent to ASU. Downtown Tempe supports strong short-term rental demand during football season, events and graduation weekends. Infill and conversion plays here benefit from both student and visitor populations.
South Tempe
Established residential neighborhoods south of US-60 with 1970s and 1980s single-family inventory. South Tempe attracts long-term professional tenants and owner-occupants who want suburban stability with light rail access. Fix and flip margins are consistent with lower competition than the ASU core.
McClintock District
East Tempe corridor running along McClintock Drive with strong light rail connectivity to downtown Phoenix and Scottsdale. Tech worker and young professional renter demand keeps vacancy low. Below-median acquisition prices on dated inventory support strong BRRRR and fix and flip returns.
Kyrene Corridor
Southwest Tempe commercial and residential zone near the Kyrene School District and Chandler border. Family rental demand and owner-occupant buyers create a stable market with consistent appreciation. Capital sources in our network fund fix and flip and rental conversion deals throughout this corridor.
Hard money loan programs in Tempe
Fix and Flip Loans
Tempe has dense inventory of 1960s through 1980s ranch homes and condos near campus, the Town Lake corridor and the McClintock light rail line. These properties produce strong ARV after renovation because buyer and renter demand from ASU and the tech worker population is consistent year-round. Capital sources in our network finance both the acquisition and full rehab budget, with construction draws released at milestones.
Bridge Loans
Student rental demand near ASU keeps vacancy near zero for well-located properties. Bridge loans let investors lock up a rental conversion or off-market acquisition in days, before a long-term DSCR rental loan closes. Arizona's no-state-income-tax environment improves cash-on-cash returns on every rental conversion, making the bridge-to-DSCR strategy especially compelling in the Tempe market.
New Construction
Infill development near the ASU campus, Town Lake and the light rail corridor creates demand for new construction financing that conventional lenders avoid. New construction hard money loans fund ground-up single-family and small multifamily projects with milestone draw schedules and payoff at certificate of occupancy. Student housing and workforce housing new builds both find strong permanent tenant demand in Tempe.
Tempe hard money lender questions
All loans facilitated by Buckle Up Capital are for business and commercial purpose only. Buckle Up Capital is a broker, not a lender. Loans are placed with capital sources in our network. Rates and terms vary by capital source and are not a commitment to lend.
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Submit your Tempe deal and we will run it through capital sources in our network. No credit pull. No commitment. Term sheet in 24 to 48 hours.
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