Do I need every document before the first call?

No. Call with the address, equity, exit, and timeline. We request docs after we know the Arizona deal is worth underwriting.

What usually blocks a close?

Missing ID or entity authority, unclear title/payoffs, no insurance path, or a rehab scope that doesn’t match the budget. Title and escrow friction kills more timelines than credit scores.

Do you require an LLC?

Not always. Plenty of files are in an individual name. If you’re using an LLC, bring formation docs and signing authority so we’re not guessing at closing.

Is this for Arizona properties only?

Yes. LVX Capital funds Arizona collateral only. Scottsdale office: 7652 E Greenway Rd. Suite 103. NMLS #2693018.

Arizona Hard Money Documents Checklist

This is not a bank’s 40-item scavenger hunt. LVX Capital underwrites Arizona collateral first. Still — closings stall when identity, authority, title, or insurance are fuzzy. Use this list.

Usually required (blocking if missing)

Government ID — for each borrower / signer
Property address & deal summary — purchase, cash-out, bridge, flip; loan amount sought; hard deadline
Purchase contract — if buying (with amendments, deadlines, earnest money status)
Payoff / lien info — if refinancing or there’s existing debt on the Arizona property
Entity docs (if LLC or corp) — articles / formation, operating agreement or resolution showing who can sign
Insurance path — binder or agent contact so a policy can bind at closing
Title / escrow contacts — who is opening or already open; we’ll work with your Arizona title company when it makes sense

Deal-type extras

Fix & flip / rehab

Scope of work and budget (line items beat vibes)
Contractor info if you have it
ARV rationale — comps, not hopium

Bridge

What you’re bridging from and to
Sale contract or refinance status on the exit side

Cash-out

Current mortgage statements / payoff quotes
What the cash is for (we ask)

Helpful but not always day-one blockers

Recent appraisal (if you have one — we may still need our own valuation path)
Rent roll / leases on investment holds
Bank statements or reserves proof when leverage is thin
Track record / previous flips (nice context, not a substitute for equity)
Photos of the property

First call ≠ full package. See what we need on the first call. We don’t pull credit just to chat. Docs follow a real yes-worth-pursuing.

What slows Arizona files

Wrong signer on the LLC
Surprise junior liens or HOA issues
Insurance that won’t bind on a vacant / rehab property
Rehab budget that ignores heat, permits, or access
Waiting until the last day of the inspection period to call

Arizona collateral only. Scottsdale HQ: 7652 E Greenway Rd. Suite 103, Scottsdale, AZ 85260. NMLS #2693018. Call (623) 343-4100.

Related: loan programs · hard money Arizona · costs.

Arizona hard money documents checklist