Direct DSCR Lender · Arizona
DSCR loans in Arizona. Built for speed.
Direct DSCR lender serving Arizona real estate investors. Qualify on rental income — no tax returns or W-2s. Same-day scenario response, 95% approval rate.
- Statewide Arizona coverage
- No tax returns or W-2s
- 15% down minimum
- Credit scores from 620
- LLC, trust, or personal name
- STR (Airbnb) & foreign national OK
What's your goal?
Pick what you'd like to do today.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
Why Arizona investors choose Quicker Home Loans.
Arizona is a top-5 DSCR volume state for us. Non-judicial trust-deed foreclosure runs about 90 to 120 days, statutes lean strongly landlord-friendly under the ARLTA, and Arizona is one of the few states where statute (A.R.S. § 9-500.39) actively preempts municipal STR bans. That last point is a real structural advantage — cities can register and regulate, but they can't outlaw.
Phoenix/Scottsdale and Mesa anchor the metro investor volume. Tucson plays a different role — smaller deal sizes, steadier long-term rental demand around the University and medical corridors. Flagstaff and Sedona are STR-dominant and worth underwriting carefully because altitude-market comps diverge sharply from Phoenix valley numbers.
When a Arizona deal doesn't fit our standard guidelines, we run it through the Approval Engine — a wider underwriting framework that finds an angle. That's how we close 95% of the deals we touch.
Arizona DSCR context
DSCR in Arizona — what matters.
A few Arizona-specific factors shape how DSCR deals get structured here:
- Foreclosure process
- Arizona uses a non-judicial foreclosure process, with typical uncontested timelines running 90–120 days.
- Property tax
- Statewide owner-occupied benchmark is roughly 0.48%. Investment property underwriting should use actual county tax bills and investor assessment rules — not homeowner-facing averages.
- Landlord climate
- Arizona's landlord-tenant framework is strongly landlord-friendly.
- Short-term rentals
- State law (A.R.S. § 9-500.39) preempts most local bans — cities can register/regulate but not prohibit. This is a big deal nationally; AZ is unusually STR-friendly.
Right program, right state
Which QHL programs fit Arizona.
For Phoenix metro SFR and small multi-family, standard DSCR at 80% is our workhorse. STR operators in Sedona and Flagstaff benefit from our Airbnb DSCR program, which underwrites from historical performance or market rent projections. Investors rolling 10-plus Phoenix doors into one file typically save on both rate and origination via blanket.
Prepayment penalty
Prepayment penalty in Arizona.
Up to a 5-year prepayment penalty period is permitted under QHL programs in this state.
PPP terms are confirmed at underwriting and may vary with loan amount, vesting, and property type.
All programs available
Loan programs in Arizona.
DSCR Loans
Qualify on rental income — no tax returns or W-2s.
Learn more →DSCR HELOC / 2nd Mortgage
Tap equity from your investment property — without touching your first.
Learn more →Fix-and-Flip Loans
Buy. Rehab. Sell. Repeat.
Learn more →Bank Statement Loans
12 or 24 months of bank statements instead of W-2s.
Learn more →ITIN Loans
Buy or refinance investment property with an ITIN — no SSN required.
Learn more →Commercial Real Estate
Multi-family, mixed-use, retail, office, industrial.
Learn more →Blanket & Portfolio Loans
Finance 2 to 100+ properties under one loan.
Learn more →Transactional Funding
Same-day funding for double closings.
Learn more →P&L Statement Loans
Qualify with a CPA-prepared profit & loss statement.
Learn more →Cities served
We serve investors in every Arizona city.
Don't see your city? We lend everywhere in Arizona. Call 551-375-6403.
Questions
DSCR loans in Arizona — FAQ
Yes. Quicker Home Loans is a direct DSCR lender serving Arizona real estate investors. We finance single-family rentals, 2–4 unit, multifamily, mixed-use, and short-term rentals statewide.
Ready to lower your rate?
Ready to fund your next Arizona investment?
Send us your scenario or upload a competing term sheet — we'll either beat it or tell you straight up that you've got a great deal.
Disclosure
The content on this page is provided for informational purposes only and does not constitute legal, tax, accounting, or financial advice. While Quicker Home Loans endeavors to keep state-specific information accurate as of the last review date, statutes, regulations, tax rates, and local ordinances are subject to change. You should independently verify any statement on this page with qualified legal counsel, a licensed tax professional, or the appropriate state or local authority before relying on it in connection with a real estate investment or loan decision. Last reviewed: April 18, 2026.