Flipping Houses In Arizona

Questions To Ask Before You Get A Hard Money Loan

By on October 20, 2025   /   Flipping Houses In Arizona, hard money loan approval, hard money loans, Investment Property Loans, Questions To Ask Before You Get A Hard Money Loan  
Questions To Ask Before You Get A Hard Money Loan

The process of obtaining a hard money loan is substantially less difficult than that of obtaining a bank loan; nonetheless, applicants still need to be aware of what they are getting themselves into before submitting an application. There are five questions that you should ask yourself before you sit down to talk with your hard money lender if you are considering using hard money to fund a real estate acquisition. Here are the questions:

1. What strategies do you have in place to pay the monthly loan payments?

Due to the fact that hard money loans are asset-secured loans, it is essential to ensure that you will be able to make the monthly payments on the loan in order to avoid losing the property that is used to secure the loan. Numerous hard money lenders, provide loans that are contingent solely on the repayment of interest. There are also some that will contain cash to construct a payment reserve, provided that the property in question has a loan-to-value (LTV) ratio that is sufficiently high to meet the higher loan amount.

2. Could you please describe the appearance of your credit history?

Your credit history and score can nevertheless have an impact on the interest rate that you are charged for your loan, even though hard money lenders do not normally base their acceptance decisions on credit scores in the same way that banks and other institutional lenders are required to do. As a result, before to submitting your application for a loan, it is recommendable to take care of any problems that you could be experiencing with your credit.

3. How much of a return do you expect to receive on your investment?

Before submitting an application for a hard money loan, it is essential to consider the expenses of the loan, which are generally always greater than those of a standard commercial mortgage, in comparison to the return that you anticipate receiving (either from the sale of the property or from the enhancement of its potential to generate revenue).

4. How do you plan to pay off the majority of the loan installments?

If you want to get a hard money loan, this is perhaps the most crucial question you need to answer before you get one. This is because your hard money lender will definitely want to know the answer to this question before they will approve and underwrite your loan. The duration of hard money loans is often between six months to three years, making them a type of short-term loan. Refinancing with a conventional lender or selling the home are two common exit alternatives that are utilized.

5. Do you have a connection with a lender who has a good reputation?

There are both good and bad hard money lenders, just like there are in any other industry. Be wary of brokers who are pretending to be hard money lenders but who are unable to actually decide whether or not to fund your loan on their own for whatever reason. If you are looking for a reliable lender, they will supply you with referrals and testimonials to assist you in conducting necessary research on them. Additionally, you should be sure to inquire about the terms of their loan, and you should steer clear of any lender who either refuses to provide their terms or whose terms appear to be too good to be true (as they typically are!).

Phoenix Hard Money Real Estate Loans

If you’re interested in getting involved with real estate investing and need the capital to purchase properties hard money is a great way to get started.  Brad Loans has extensive experience in both real estate investing and hard money lending and is proud to offer Phoenix Valley real estate investors the financing they need.  It is easy to get started applying for hard money loan and Brad Loans is able to work with clients with bad credit and no credit. We are your source for hard money when traditional banks say no.  Read more about Brad Loan’s hard money loan programs or get started fill out our hard money loan application or give us a call to ask questions at 602-999-9499.

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Is Phoenix Flippable in 2025?

By on September 8, 2025   /   Flipping Houses In Arizona, hard money loan approval, hard money loans, Investment Property Loans  
Is Phoenix flippable in 2025?

The Phoenix metro area the highest delisting rate in the country this year, which means sellers are blinking first and you’ve got leverage… but it’s not a full-on buyer’s market. Think “balanced with buyer edge,” not “fire sale.” Axios MarketWatch

  • Delistings surged in Phoenix this spring,softer seller posture, more price cuts. AxiosMarketWatch

  • List-to-sale is under 100%, days on market are elevated vs. boom times, patience wins. RealtorZillow

  • Median prices have flattened/slipped a touch YoY,  great for entry pricing, but you can’t count on rising comps to bail you out. RedfinZillow

Neighborhood Playbook

1) Alhambra / Melrose (Central Phoenix)

1950s ranches + mid-century charm near light-rail stops = cosmetic flip heaven (floors, kitchens, baths, landscape, paint). Entry prices are still sane, and the buyer pool loves “done” homes here. Wikipedia+1

Target deal: 3/2, 1,400–1,700 sq ft ranch with tired kitchen/bath, good bones.
Why now: Rail-access lifestyle sells; comps reward tasteful mid-century refreshes. Wikipedia

2) South Central / Central City South (along the new rail hub/extension)

The South Central Extension & Downtown Hub ties these neighborhoods tighter to downtown, a classic “buy the corridor” play. Not a guarantee, but transit adjacency historically boosts absorption after the dust settles. Newsweek YouTube

Target deal: Small SFRs or duplexes needing systems + cosmetic; prioritize walkability to stations.
Why now: Sellers are more flexible in softer pockets; ride the connectivity story. Axios

3) Sunnyslope (North-Central)

Hilly views, hospitals/employers nearby, eclectic stock. Value jumps when you fix the “big three” (roof/HVAC/windows) and add clean, light interiors. Wikipedia

Target deal: 1950s–60s 3/1 or 3/2 with tired systems; add curb appeal and energy efficiency.
Why now: Median pricing isn’t running away; buyers reward move-in ready. Redfin

4) West Valley “new-build shadow” (Goodyear/Buckeye/Verrado) — with caution

There’s demand, but you’ll be competing with builder incentives (rate buydowns, credits). Only touch undervalued resales with unique lot/location or where you can beat builders on monthly payment via price. MarketWatch Wikipedia

Target deal: Quick cosmetic turns close to schools/parks; keep budgets tight.
Why now: You can win if you buy well below builder-comparable pricing. MarketWatch

Ideas To Consider

Buy assumptions, not dreams. Base ARV on the three best closed comps in 0–90 days, then haircut 2–3% to stay conservative. DOM is sticky; don’t count on appreciation to save you. RedfinZillow

  1. Hold-time reality: National flip time ~166 days; Phoenix isn’t magically faster right now. Pad your carry 6 months. FairFigure

  2. List-to-sale spread: Assume 98–99% of list on exit, not 102%. Price to move and beat stale inventory. Realtor

  3. Margin discipline: In this tape, shoot for 12–15% gross on median homes after rehab (you’ll net less after fees). That lines up with current national/Arizona snapshots. FairFigure

Rehab strategy that sells now

  • Energy & comfort first: New HVAC, efficient windows where needed, solid insulation — buyers feel it at showings (and in payments).

  • Kitchen/bath light-bright: Quartz, clean tile, updated lighting. Skip over-personal design.

  • Curb appeal: Gravel refresh, desert-friendly plantings, modern house numbers, mailbox, and a bold (but tasteful) front door.

  • Inspection killers: Roof, sewer, electrical — kill re-trades before they start.

Quick deal checklist (save this)

  • Buy box: 3/2, 1,200–1,800 sq ft; 1950–1975 stock (Central PHX/Sunnyslope) or 1985–2005 (West Valley).

  • Entry discount: 20%+ below fixed-up comps minus rehab; builders’ incentives in West Valley mean you need extra spread. MarketWatch

  • Budget guardrail: Cosmetic $35–$55/sq ft; add $10–$20/sq ft if major systems.

  • Timeline: 6 weeks reno + 8–10 weeks to close = budget 4–6 months total; pad to 6. FairFigure

  • Exit: List clean, price sharp, consider rate buydown credit vs. price cut if showings stall (you’re competing with builders doing exactly that). MarketWatch

Phoenix Hard Money Real Estate Loans

If you’re interested in getting involved with real estate investing and need the capital to purchase properties hard money is a great way to get started.  Brad Loans has extensive experience in both real estate investing and hard money lending and is proud to offer Phoenix Valley real estate investors the financing they need.  It is easy to get started applying for hard money loan and Brad Loans is able to work with clients with bad credit and no credit. We are your source for hard money when traditional banks say no.  Read more about Brad Loan’s hard money loan programs or get started fill out our hard money loan application or give us a call to ask questions at 602-999-9499.

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Is The Flipping House Market Strong in the Phoenix Valley In 2025?

By on September 8, 2025   /   Flipping Houses In Arizona, House Flipping  

Is The Flipping House Market Strong in the Phoenix Valley In 2025?

Flipping Houses in the Phoenix Valley: The 2025 Scoop

Market’s Cooling, But Opportunity Lingers

Phoenix is no longer the red-hot furnace it was during the pandemic years. Listings are being delisted at the highest rate in the country, nearly 30 homes per 100 listings were pulled before selling in May 2025—as buyers resist the sticker shock of high asking prices. Sellers are now having to negotiate harder than they did just a year ago. Axios

But hold on, don’t nod off yet! Inventory isn’t ballooning, so it’s not a sudden crash. It’s more of a recalibration. A good potential flipper watches those de-listings as a nudge that sellers may be ready to strike better deals. theravenscroftgroup.com MarketWatch

Phoenix Still Rings With Flipping Potential

According to Frontflip, Phoenix still leads flipping activity across Arizona. Homes are fetching solid interest and higher price points, making it a primary flip zone for keen renovators.usefrontflip.com Staying competitive on renovation costs and timing still matters, but the demand remains steady.

And when you dig into overall real estate trends, the market isn’t slipping fast; it’s just leveling off. More listings, stable demand, and a shift back toward balance, not collapse.trueparity.com rosenbaumrealtygroup.com

A Word on Profits

Here’s some eye-opening intel: Flippers in Arizona net around $51,882 per flip on average, with gross profits hovering at 14.9% on median-priced homes (about $450K). That’s nothing to sneeze at. It shows the system still works if you do your homework. Houzeo

Brad’s Take: Is it Still a Good Time to Flip?

Yes—with sharp strategy.

  • Buyer power is on the rise. Sellers are more flexible. That gives you room to negotiate, and that’s where savvy flippers step in.

  • Profit margins are still respectable. Half a hundred grand won’t come easy, but those numbers are real—and they’re still holding.

  • Inventory is balanced, not flooded. You won’t need to compete with a deluge of flips, but you’ll want to source well and move smart.

If you’re ready to:

  • Find deals under the radar,

  • Control rehab costs carefully,

  • Wait for the market’s freshly calibrated value,

…then flipping in 2025 Phoenix still rings like opportunity.

Quick-Read Takeaways

Factor How It Impacts Flipping
Delist Trend Sellers pulling listings = better leverage
Inventory Balanced, not saturated—low-level competition
Profit Margins Still decent if rehab and buy-in are smart
Market Tone No frenzy, but a stable reset—ideal for thoughtful flippers

So, there you have it, Phoenix flipping in 2025 is less sprint, more steady jog. But if you’ve got patience, knowledge, and confidence, this can still be your course to run.

Hard Money Lenders in Phoenix, AZ

When you are searching for hard money loans near me in Phoenix, Scottsdale, Glendale, Tempe, Mesa, Chandler, or Gilbert, Arizona; Brad Loans is Arizona’s most trusted direct hard money lender!  We specialize in hard money loans for Fix and Flip, refinancing mortgages with bad credit, business loans secured by real estate, real estate purchases, short sales, and other endeavors with quick turnaround in the Phoenix Valley.

BradLoans.com is the most trusted direct hard money lender and private money lender in Arizona! We are the best hard money lender in Arizona with the ability to fund commercial & residential hard money loans many times within a couple of days or less. Our lending rates and fees are reasonable compared to other Arizona hard money brokers or mortgage brokers in Arizona.

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