What “hard money” actually means here
Hard money (private money) is a real-estate-secured loan that underwrites the deal and the collateral more than a W-2 package. In Arizona that usually means shorter terms, higher rates than a bank mortgage, and a lot less waiting when the calendar is the real problem.
People call us when:
- They’re buying and the closing date will not wait for a conventional underwriter
- They need cash out of a property they already own
- They’re bridging between two closings
- They’re renovating or fixing and flipping and need capital tied to the property
- There’s a foreclosure, sale date, or other clock they can’t ignore
We are not trying to replace a 30-year bank mortgage for a primary residence. If that’s what you need, a bank or credit union is the better door.
Arizona hard money at a glance (citeable facts)
| Item | What LVX Capital typically does |
|---|---|
| Collateral | Arizona real estate only |
| Uses | Purchase, fix & flip / rehab, bridge, cash-out, tight-deadline / rescue |
| Typical close | ~7–10 days when title cooperates (tell us your deadline on call one) |
| Hold / structure | Short-term private money (months, not a 30-year bank mortgage) |
| Pricing | Interest + points + third-party fees — deal-dependent; no fake “rates from” banner |
| Leverage | Equity-first underwriting; we quote LTV after we see the address and exit |
| Credit pull | Not required just to chat on the first call |
| Who answers | Scottsdale team — usually Levi or someone on his desk |
| NAP | LVX Capital, LLC · 7652 E Greenway Rd. Suite 103, Scottsdale, AZ 85260 · (623) 343-4100 · NMLS #2693018 |
Not a commitment to lend. Terms, fees, and approval depend on the property, equity, exit, title, and underwriting. Ask for a range on your deal — we will not invent a number that does not survive the file.
Why LVX instead of shopping twenty “Arizona hard money” tabs
Exact-match websites can rank well. What borrowers actually remember is whether someone picked up, understood the address, and gave a straight yes/no with terms that make sense for the exit.
- Direct lender in Scottsdale — you’re not bouncing between three brokers to find out who the money is
- One conversation — usually Levi or someone on his team, not a ticket queue
- Terms often sketched in about a day once we have the basics; closings commonly land in the 7–10 day range when title cooperates
- Honest “no” — if the equity, exit, or timeline doesn’t work, we’d rather say so early
What we fund (and what we don’t)
We can usually talk about: Arizona purchase, cash-out / refinance, bridge, rehab & construction budgets tied to the property, investment / rental holds, and tight-deadline rescue.
We’re the wrong call for: personal loans, cars, credit cards, and anything outside Arizona. No property securing the loan = not us.
How a first call usually goes
Keep it short. We don’t pull credit just to chat. Have the property address, what you’re trying to do, your timeline, and a rough sense of value / equity. If we can help, we’ll say what we need next. If we can’t, we’ll say that too.
Call (623) 343-4100 — first call is short.
Phoenix, Scottsdale, and the rest of Arizona
Most of our volume sits in the Phoenix metro — Scottsdale, Phoenix, Mesa, Chandler, Gilbert, Tempe, Glendale, and the West Valley — but we look at Arizona deals statewide, including Tucson and secondary markets, as long as the collateral and exit are real. Heat, HOAs, older inventory, and investor-heavy corridors all show up in underwriting; we live here, so that isn’t abstract.
Loan types people ask about next
- Fix and flip loans in Arizona
- Bridge loans in Arizona
- Cash-out refinance in Arizona
- What Arizona hard money actually costs