Real Estate Investment Loans — Fast, Simple, Local
Simple, Fast, and Reliable Real Estate Financing in Arizona – to increase your JOY of real estate investing.
Skip the red tape of traditional lenders and work with a lender you can build a relationship with, and provide flexible and fast financing to help you close quickly, accomplish your goals, and build wealth effectively.
Close fast
as quickly as 2-3 business days!
Flexible Options
tailored loan programs for every project type.
Local Expertise
Local lender with market knowledge, local connections, and intentional relationship building.
Simple 3 step process-
1. Talk About Your Project. Tell us about your needs or project via phone, or using our online intake form. Then we can give you a detailed quote.
2. Lock your deal. Like your quote and feel good about moving forward? Lock your deal in!
3. Simple Closing Process. Go through our simple closing process. We can close in as little as 2 business days!
What You’ll Need to Apply
Checklist:
- Signed loan application (we’ll prepare and send to you)
- Evidence of insurance or your insurance agent’s contact information
- Purchase contract and addenda (if applicable)
- Recent credit report (within 90 days) — or we’ll pull it for you
- Budget and scope of work (for projects with construction financing)
- Borrower experience – send us a few addresses of what you have done (experience not needed to qualify)
- Additional documents may be required depending on loan type. First-time borrowers must also provide a driver’s license, operating agreement (if applicable), and other necessary documents.
Important Notes:
- Business purpose loans only (no owner-occupied properties)
- No junior or second liens permitted
- Personal guaranty required for all borrowers and spouses
- ACH payments due on the 1st and must come from a business account
Loan Programs Overview
Each of our loan programs is designed to meet a specific type of real estate investment. Choose the one that best fits your project.
Fix & Flip Loans
Finance both the purchase and renovation of your investment property.
Highlights:
- Up to 80% Loan-to-Value (LTV)
- Renovations typically* financed up to 75% LTC (draws reimbursed after installation). (*LTC can be high as long as loan does not exceed max LTV).
- Quick funding and streamlined inspections
- All loans are underwritten and quoted on a case by case basis based on risk and investor’s needs and goals.
Increasing your joy by: efficient funding that prevents you from overextending personal finances, and increases your ability to scale and grow.
Construction Loans
Finance land, new builds, or major remodels.
Ideal for: Builders, developers, or large-scale fix & flip projects.
Highlights:
- Up to 75% Loan-to-Value (LTV) (50% LTV if it is unimproved land).
- Renovations typically* financed up to 75% LTC (draws reimbursed after installation). (*LTC can be higher as long as the loan does not exceed max LTV).
- Draws reimbursed post-installation; minimum $50,000 per draw for construction budgets over $80,000
- Quick funding and streamlined inspections
- Works for infill projects, subdivisions, or ground-up builds
Increasing your joy by: building your projects faster and with less hassle allows you to continue to focus on your business, your craft, and scale efficiently.
Subdivision Loan Guidelines
For developers working on multi-lot or phased projects.
Key Guidelines:
- KlinkLoans must be the sole lender in the subdivision
- LTV guidelines as follows:
- Raw Land – 50% Max LTV
- Entitled Land – 60% Max LTV
- Finished Lots – 65% Max LTV
- Vertical construction – 75% Max LTV
- Costs reimbursed through draws after installation. LTC (Loan To Cost) for draws will vary on each project, as long as the project stays under max LTV).
- Funds cannot be used for carrying costs, insurance, HOA setup, or non-direct improvements
- Partial lot releases available at 110%-125% of each lot’s pro-rata share of the original Deed of Trust amount
Example:
A $1,000,000 Deed of Trust loan secured by four equal-value lots would allow release of each lot for $312,500 (125% of its $250,000 share). Developer profit is realized later in the project as lots are released and sold.
Increasing your joy by: building your projects faster and with less hassle allows you to continue to focus on your business, your craft, and scale efficiently.
Short-Term Rental Loans
Fast financing for Airbnb, VRBO, or vacation rental properties.
Ideal for: Investors acquiring or renovating short-term rentals before refinancing.
Highlights:
- Up to 80% Loan-to-Value (LTV)
- Renovations typically* financed up to 75% LTC (draws reimbursed after installation). (*LTC can be higher as long as the loan does not exceed max LTV).
- Quick funding and streamlined inspections
- All loans are underwritten and quoted on a case by case basis based on risk and investor’s needs and goals.
- Final draw available when property is complete and refinance process has started to maximize leverage before refinance. More information on our “cash out hack” here.
Increasing your joy by: being able to renovate quickly, maximize equity, and transition seamlessly into long term financing.
Group Home Loans
Flexible bridge and construction loans for group home operators.
Ideal for: Investors or businesses acquiring or renovating group home properties.
Highlights:
- Close in as little as 2 business days
- Up to 80% LTV or LTC for purchase; 75% LTC for improvements
- Short-term bridge or up-to-2-year construction options
- Minimal paperwork, no income documentation, and no appraisal required
Increasing your joy by: A quick and practical solution to acquire and prepare group home properties to help you reach your ideal long term financing.
Multifamily Loans
Our Multifamily Loans are built for investors acquiring or improving 2–30 unit properties.
Highlights
- Up to 75% LTV depending on property and experience
- 6–12 month terms with possible extensions
- Great for value-add rehabs, bridge-to-perm, or repositioning
- Fast approval and closing timelines
Increasing your joy by: quick and simple funding that allows you to acquire and/or rehab and reach your exit efficiently.
Commercial Loans
Purchasing, refinancing, or renovating or repositioning with speed and simplicity.
Highlights
- Up to 70% LTV, depending on experience and property and loan type
- Works for office, retail, mixed-use, or industrial properties
- 6–24 month terms with extension options
- Fast, local decision-making for Arizona projects
Increasing your joy by: helping you move quickly on opportunities that grow your portfolio — with straightforward terms and a lending partner who understands your goals.
Trustee Sale Loans
Purchasing loans at auction.
Highlights
- Up to 80% LTV, depending on experience and property and loan type
- Closes in 24-48 hours
- Borrower must be using a bidding service or proxy approved by lender
- Must have limited title report to close
Increasing your joy by: quick funding to help you close on better deals via auction