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Grand Funding Blog

Investor-friendly insights, deal structure tips, and market notes for Arizona and California.

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Latest Articles from Grand Funding

How to Underwrite a Phoenix Fix and Flip in 2026
Underwriting Guide May 3, 2026

How to Underwrite a Phoenix Fix and Flip in 2026

Step-by-step guide to underwriting a Phoenix fix-and-flip in 2026 — real numbers, real comps, real exit strategies.

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Bridge Loan vs Cash-Out Refi: When Each Makes Sense
Investor Guide May 3, 2026

Bridge Loan vs Cash-Out Refi: When Each Makes Sense

Both bridge loans and cash-out refinances let you access capital. Picking the wrong one can cost you tens of thousands in interest.

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Why Banks Say No to Fix-and-Flip Investors (And What to Do)
Investor Guide May 3, 2026

Why Banks Say No to Fix-and-Flip Investors (And What to Do)

What's actually happening behind the bank's underwriting desk — and the four working alternatives experienced flippers use.

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Calculating ARV: A Step-by-Step Walkthrough with a Real Phoenix Deal
Underwriting Guide May 3, 2026

Calculating ARV: A Step-by-Step Walkthrough with a Real Phoenix Deal

After-Repair Value is the number every fix-and-flip loan is sized against. Here is the seven-step process with a real Phoenix deal.

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Benefits of real estate investing in an LLC — Grand Funding article
Legal Structure June 25, 2024

Benefits of Real Estate Investing in an LLC

Real estate investing can be lucrative, but it comes with risks and challenges. Forming a Limited Liability Company (LLC) for your real estate investments can offer numerous advant…

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Hard Money Lending — Common Questions

Quick answers for investors evaluating private financing in Arizona and California.

What is a hard money loan?

A hard money loan is a short-term, asset-based loan secured by real property. Approval is based on the property's value — not the borrower's income or credit score. Typical terms: 6–24 months, 10–13% interest, 1–3 points. Used for fix-and-flip, bridge financing, construction, and cash-out refinance.

How fast can I get a hard money loan in Arizona?

Grand Funding issues approval decisions within 24 hours and funds most Arizona purchase loans in 3–5 business days. Refinances and construction loans typically close in 7–12 days. Speed depends on clear title and a complete application.

What credit score do I need for a hard money loan?

No minimum credit score is required for most Grand Funding loans. Underwriting focuses on the property's after-repair value (ARV), loan-to-value ratio, and your exit strategy — not your FICO. Past foreclosures or bankruptcies do not automatically disqualify borrowers.

What is the difference between a hard money loan and a bridge loan?

Hard money is the broader category — any short-term, asset-based private loan. A bridge loan is a specific type of hard money loan used to "bridge" a gap: buying a new property before selling an existing one, or financing a property until permanent financing is secured. All bridge loans are hard money loans, but not all hard money loans are bridge loans.

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