Bridge, DSCR & Construction Loans in Arizona

Bridge loans with Kiavi can close in as little as 7 business days.* Speed depends on how quickly you provide documentation and property information. Our in-house underwriting and servicing eliminates third-party delays—you stay in control of your timeline.

Pre-qualification is simple. You'll need basic property information, your exit strategy, and a brief overview of your investment experience. No tax returns, W2s, or formal documentation required at this stage. Most pre-qualifications take minutes.

Use a Bridge Loan if you need to close fast (all-cash competition), are waiting on another property sale before committing, or plan to hold 6-24 months before selling or refinancing.

Use a DSCR Loan if you're buying to hold long-term and capture monthly rent, are self-employed or have irregular income, are building a portfolio, or investing in short-term rentals (Airbnb, vacation properties).

Use a Construction Loan if you're building from ground up (land + vertical construction), starting a new development project on vacant land, or have a timeline of 18+ months with milestone draws.

Yes. DSCR loans qualify based on the property's cash flow, not your personal income documentation. This makes them ideal for self-employed investors, short-term rental operators, and those with non-traditional income.

Bridge loans are short-term financing (6-24 months) for acquisitions and value-add projects. You pay interest-only, close fast, and exit when the property sells or refinances. DSCR loans are long-term financing (up to 30 years) for rental properties held for cash flow. You qualify based on the property's rental income, not your personal W2s. Different tools for different strategies.

Yes. Many Arizona investors use this exact strategy: bridge to acquire fast, then refinance into DSCR to hold long-term and capture rental income. This is called "bridge-to-DSCR" and it's a popular path for scaling investment businesses.