Tucson's Trusted Hard Money Lender for Real Estate Investors

Real estate can be highly competitive, and investors with fast funding often secure the strongest properties at the best prices. Unitas Funding partners with Tucson real estate investors through private loans that support purchases, renovations, new construction, and long-term rental portfolios. Our lending process features simple leverage terms, efficient underwriting, and draws that correspond with your construction or rehab progress so you can make confident offers in the real estate market without delays from traditional lenders.

Our Tucson hard money lenders provide specialized programs that cover fix-and-flip loans, new construction loans, short-term bridge financing, and DSCR loans crafted for rental properties. Honest, clearly written terms and consistent capital deployment make it easier to forecast returns and maintain steady progress on each Tucson project.

shutterstock_2644509203

Fast, Reliable Capital for Your Next Real Estate Deal

Our direct lending approach removes third party brokers, which reduces fees and delays for real estate investors. Each project can align with a specific loan type, including fix-and-flip financing for value add renovations, ground up construction funding, bridge financing for transitional holds, and DSCR rental loans for cash flowing properties. Leverage options are available up to 92.5% LTC, ARV LTV can reach 80%, and loan amounts are offered up to $2.5M. With a complete file that includes your property address, scope, budget, and required paperwork, Unitas Funding delivers an approval decision and proposed terms, if approved, within one business day.

Fix & Flip Loans

Fix & Flip Loans

Our fix-and-flip loans cover both purchase and renovation so your working capital stays free for other deals. Investors can use up to 92.5% LTC and up to 75% ARV LTV on 12 to 24 month terms, keeping cash available for materials, subcontractors, and surprise repairs. Underwriting based on after-repair value (ARV) supports quick resales or BRRRR strategies (buying, rehabbing, renting, refinancing, and repeating). Inspection-based draws release funds as milestones are completed, which helps keep your crews on schedule and your Tucson projects moving ahead without funding gaps.

Learn More
New Construction Loans

New Construction Loans

For builders in Tucson, our hard money lenders match capital to your ground-up timeline. Private construction financing can cover land acquisition, vertical construction, and finishes with inspection-verified, milestone-based draws. Borrowers can secure up to 85% LTC and up to 75% ARV LTV on 12 to 24-month terms, structured around realistic build schedules. Underwriting reviews your detailed budget, contractor history, and project timing to help keep funding in place from initial permits through the final certificate of occupancy.

Learn More
Bridge Loans

Bridge Loans

Real estate investors use our bridge loans when a fast closing is more important than long-term terms. Short-term gap financing can help you win auctions, secure off market properties, or reposition assets before refinancing into permanent debt. Access up to 80% LTC and up to 75% ARV LTV with typical 12 month bridge terms and clearly defined exit strategies. Streamlined processing works best on properties that need limited rehab or brief holding periods before resale or refinance.

Learn More
DSCR Loans

DSCR Loans for Rental Properties

Our DSCR loans focus on the property’s income stream instead of heavy personal income documentation. This rental property financing model evaluates debt service coverage ratio so approvals are driven by how well the property pays its own mortgage. Long-term rentals, short-term vacation rentals, and medium term corporate rentals can qualify with up to 75% LTC and up to 80% ARV LTV. Rate and term structures support portfolio growth, stable monthly payments, and easier scaling of your Tucson rental investments.

Learn More


What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Our combination of institutional capital and in-house approvals removes broker bottlenecks and marketplace guesswork for real estate investors. Clear leverage ranges, defined draw triggers, and proactive communication carry through from initial application to final funding on every investment property.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Our team aligns with your investing playbook whether you are flipping, building, bridging, or holding long-term in the market. Flexible underwriting structures tailor fix & flip, new construction, bridge, and DSCR financing to your timeline, experience, and exit strategy so each stage of your investment feels smoother and more predictable.

  3. Certainty from a Direct Lender.
    Direct lending means one source for capital, approvals, and loan terms. Investors can benefit from clear commitments, predictable structures, and consistent documentation expectations instead of relying on multiple intermediaries and shifting marketplace rules.

  4. Faster Funding, Faster Draws.
    Every day counts when you're investing in real estate. Our streamlined approach closes loans within 10 days and releases construction funds quickly when you need them. Fast capital delivery and responsive support from Unitas ensure your projects stay productive and profitable.

shutterstock_2218681047 (1)

Get Pre-Approved in 24 Hours!
Apply today to position your next investment property with strong, dependable financing.

Frequently Asked Questions

What are your leverage ranges and rates for investment properties?

Our private loans for Tucson real estate investors start at rates of 8.99%, with leverage up to 92.5% LTC. Fix & flip financing allows up to 92.5% LTC and 75% ARV-LTV. New construction loans are available up to 85% LTC and 75% ARV-LTV. Bridge loans reach up to 80% LTC and 75% ARV-LTV, while DSCR loans offer up to 75% LTC and 80% ARV-LTV. Loan sizes go as high as $2.5M.

Do you work with first-time investors?

Many first-time real estate investors qualify with us, whether it is a first flip or the start of a larger rental portfolio. Our Tucson hard money lenders structure loan solutions that match your experience level so you can grow with confidence. A minimum credit score of 600 is required.

Do you require income verification for investment loans?

Our investment property loans do not require traditional income verification. Approval is based on your down payment, credit profile, and verified liquidity rather than personal income documentation. This approach keeps the process faster and easier for investors who own multiple properties or have complex income sources.

How quickly can Unitas close on a real estate deal?

Unitas Funding often closes real estate investment deals in as few as 10 days. Same-day preapprovals and term sheets are available, and final approval is based on receiving clear title and a property valuation. Our hybrid valuation process typically takes only 3 to 5 business days.

What documentation do I need to apply for an investment property loan?

Applications must be made through a business entity such as an LLC or corporation. You will need a credit report, background check, purchase and sale agreement, EIN letter, certificate of good standing, recent bank statements, and a government-issued ID. Our team reviews your file and typically provides a preapproval decision within one business day.

Ready to Fund Your Next Tucson Real Estate Investment?

Timing real estate can be the difference between winning and losing a deal, and your funding should never be the bottleneck. At Unitas Funding, our Tucson hard money lenders deliver fast, flexible financing backed by institutional strength, giving investors a reliable edge. From cosmetic flips in The Heights to larger spec builds near River Oaks and long-term rentals throughout Greater Tucson, our lending programs are designed to keep contracts moving toward closing. With efficient underwriting and quick decisions, often within one business day, your Tucson real estate investments stay on track from offer to finish.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.