Investment property financing built for Arizona
Arizona is one of the fastest-growing investment-property markets in the country, and metropolitan Phoenix — spanning Phoenix, Mesa, Chandler, Gilbert, Scottsdale, Tempe, and Glendale — sits at the center of that momentum, with Tucson anchoring the south. New City Financial helps investors move on this growth the way they actually operate — on the strength of the property, not a stack of personal paperwork. We provide business-purpose financing on Arizona rental, multifamily, and commercial real estate with a fast, predictable process from quote to close.
Because we underwrite the asset’s cash flow rather than your tax returns, our programs fit the realities of the Arizona market: the wave of households and employers relocating from higher-cost coastal states, self-employed and portfolio investors, LLC-titled property, and the state’s active short-term-rental base. Whether you’re acquiring a rental in Mesa, refinancing an apartment community in Phoenix, or pulling cash out of a Tucson portfolio, you get one lender, one set of terms, and a straight answer quickly.
Loan programs for Arizona investors
Every New City Financial program is available on qualifying Arizona investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Arizona
We lend on business-purpose investment and commercial real estate across Arizona — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Arizona investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Arizona? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Arizona commercial loan FAQs
Does New City Financial lend on investment property in Arizona?
Yes. We finance business-purpose investment and commercial real estate throughout Arizona — from Phoenix, Mesa, Chandler, and Scottsdale across the Valley to Tucson and beyond. Loans run from $75K to $50MM at up to 75% LTV.
Can I get an Arizona commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required — a strong fit for the many relocating and self-employed investors in Arizona’s fast-growing metros.
What credit score do I need for a DSCR loan in Arizona?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a standard loan-to-value of up to 75%, a cash-flowing Phoenix or Tucson asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Arizona?
Most Arizona files close in under three weeks. Investor-focused underwriting and minimal paperwork keep the process fast — important in Phoenix and other competitive Valley submarkets where speed wins deals.
Do you finance short-term and vacation rentals in Arizona?
Yes. Arizona’s tourism draw supports a deep short-term and vacation-rental market in areas like Scottsdale and Sedona. We finance qualifying short-term rentals as business-purpose investment property, underwritten on the asset’s cash flow rather than your tax returns.
What loan-to-value can I get on Arizona investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Financing your Arizona deal with New City Financial
New City Financial provides business-purpose financing on Arizona investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.