Fix and flip loans in Arizona, funded in 48 hours.

Yes. PML funds fix and flip loans in all 50 states, with active flipper books in Phoenix, Tucson, Mesa, and Scottsdale. Single-family, duplex, triplex, and fourplex properties. Loan size from $100,000 to $5,000,000 per asset, with cross-collateralized facility lines available for sponsors running three or more concurrent Arizona projects. No state-line carve-outs on pricing or leverage; a Maricopa County flip prices off the same rate sheet as a Maricopa County flip.

Arizona does not require a separate state lender license for business-purpose loans secured by 1 to 4 unit non-owner-occupied investment property held by an entity. PML originates Arizona fix and flip loans under that posture, with closings handled through the customary Arizona closing process. Loans are not consumer mortgages; they cannot be used for a primary or secondary residence. The borrower is always an LLC, LP, or corporation, never a natural person.

The bulk of Arizona fix and flip activity in our book lands in a $300,000 to $525,000 ARV band, with loans typically between $240,000 and $430,000 on a single asset. Phoenix and Mesa skew toward the lower half of that band on entry-level cosmetic flips; Scottsdale and Paradise Valley stretch to $1,100,000 plus on full-gut projects. We will write an Arizona loan as small as $100,000 and as large as $5,000,000.

Arizona is a title-company state. Closings happen at a licensed title company that handles both the title commitment and the escrow function — there is no attorney-state requirement and no separate settlement attorney. PML has working relationships with title companies in every major Arizona metro and routes closings to whichever office produces the fastest commitment for the subject property’s county. A clean Arizona file regularly closes 5 to 7 business days from term-sheet acceptance.

Arizona does not impose a state or county real estate transfer tax. The buyer pays only the standard recording fee on the deed and deed of trust, which typically runs $30 to $50 per document. PML’s quote on the HUD reflects the actual Arizona tax and recording schedule for the subject county; there are no lender markups on third-party closing costs.

Arizona summer heat slows exterior trade work in July and August — roofing, exterior paint, concrete pours — but does not slow our draw cadence. Inspector clears within one business day, wire goes out within 48 hours, year-round.

Arizona is a non-judicial foreclosure state operating under power of sale. A defaulted business-purpose loan can move from notice to trustee sale in roughly 90 days. As a sponsor this should never matter; as an underwriting input it is one reason our Arizona loans price cleanly off the national rate sheet.

The Maricopa County e-recording system normally posts a deed and deed of trust the same business day they are submitted. Other major Arizona metros (Tucson, Mesa and Scottsdale) run similarly fast on e-recording. PML wires loan proceeds the day of close; the lien recording happens in parallel.

Yes. Arizona trustee sales typically happen on a posted weekly or monthly schedule at the county courthouse. PML issues a binding term sheet within four business hours of a property submission, which is sufficient for most Arizona non-judicial auctions and most online foreclosure platforms. Clean title and a binding term sheet can move from winning bid to wire in 7 to 10 calendar days.

Yes. PML can close into a newly-formed Arizona LLC even if you took the property under contract in your personal name. The closing party handles the deed transfer at closing — the property moves from your personal name into the new entity simultaneous with the loan funding, with no Arizona transfer tax to absorb. We do not lend to natural persons; the borrower is always an entity. We can help structure the entity if you do not yet have one in place.