People overthink the first call. You don’t need a binder. You need enough for LVX Capital to know whether the Arizona deal can carry a hard money loan. Here’s the checklist we actually use.
Have this ready
- Address — full street address in Arizona. No address = we can’t underwrite air.
- Contract status — under contract, offer out, already own it, or shopping. Close date if you have one.
- Equity picture — purchase price / current value, existing liens or payoff if any, and what you’re asking to borrow.
- Rehab budget — if it’s a flip or heavy work: rough scope and dollars. Honest beats pretty.
- Exit — sell, refinance, or another clear take-out. “We’ll figure it out” is not an exit.
- Timeline — when you need to fund. Auction dates, inspection periods, and summer contractor calendars all matter here.
- Experience — first flip or fiftieth. Be straight. We underwrite the property either way; honesty changes how we coach the file.
Arizona property only. If the collateral isn’t in Arizona, we can’t fund it — and we’ll say that in the first five minutes.
What kills a deal on call one
- Property outside Arizona
- No equity cushion / purchase that only works on fantasy ARV
- No credible exit
- Rehab numbers that ignore Phoenix heat, permits, or HOAs
- A deadline title cannot physically meet
- Looking for a personal loan with no real estate securing it
A fast no saves everyone time. We’re not collecting applications for sport.
What we don’t need yet
Tax returns, a polished pitch deck, or a credit pull “just to see.” If the deal pencils, we’ll tell you what docs come next. See our documents checklist for the later list.
How the call usually goes
Five to fifteen minutes. You talk, we ask clarifying questions, we say yes-worth-pursuing, maybe-with-changes, or no. Office is in Scottsdale: 7652 E Greenway Rd. Suite 103, Scottsdale, AZ 85260. NMLS #2693018.
More program context: Arizona hard money loan programs · hard money lenders Arizona.