Scottsdale Fix and Flip Loan: How Cactus Capital Helped Finance an $820,000 Scottsdale Investment Property

Scottsdale Fix and Flip Loan Arizona Hard Money Loan | Cactus Capital

Scottsdale Real Estate Investing

Scottsdale Investment Property Acquisition Funded by Cactus Capital

At Cactus Capital, we work with real estate investors who need flexible financing solutions to acquire, renovate, and reposition investment properties. Recently, we funded a Scottsdale Fix and Flip Loan for a real estate investor acquiring a residential investment property in Scottsdale, Arizona.

Scottsdale Fix and Flip Loan Highlights

• Property Location: Scottsdale, Arizona

• Purchase Price: $820,000

• Loan Amount: $875,000

• Loan Type: Fix & Flip / Renovation Financing

• Construction Holdback: $140,000

• Closing Date: May 14, 2026

The Opportunity

The borrower identified a property with strong upside potential in one of Arizona's most desirable real estate markets. Like many investors, they needed more than just acquisition financing—they required capital for renovations to maximize the property's value and marketability.

Traditional lenders often struggle to provide financing that includes both acquisition and construction funds within a streamlined timeline. That's where private lending can create a significant advantage.

Financing Solution

Cactus Capital structured financing that included:

• Funding for the property acquisition

• A renovation holdback of $140,000 for improvements

• Flexible short-term financing designed for an investment property strategy

• A streamlined closing process to meet the investor's timeline

By combining acquisition financing with renovation capital, the borrower was able to move forward with both the purchase and planned improvements under a single financing structure.

Why Construction Holdbacks Matter

One of the most common challenges investors face is preserving liquidity after closing. By utilizing a construction holdback, borrowers can access renovation funds as work is completed rather than bringing the entire rehab budget to closing.

This structure allows investors to:

• Preserve cash reserves

• Improve project returns

• Maintain flexibility during construction

• Scale their investment business more efficiently

Scottsdale Continues to Attract Investors

Scottsdale remains one of Arizona's most attractive markets for real estate investors due to strong population growth, desirable neighborhoods, and continued demand for renovated housing.

Projects like this demonstrate how strategic financing can help investors capitalize on opportunities in competitive markets.

Looking for Financing on Your Next Deal?

Whether you're purchasing a fix-and-flip property, financing a ground-up construction project, refinancing an investment property, or seeking bridge financing, Cactus Capital can help structure a solution tailored to your project.

Our new Instant Loan Quote tool is launching soon and will allow investors to estimate:

• Loan Amount

• Cash to Close

• Monthly Payment

• Preliminary Qualification

Stay tuned for the launch of our Instant Quote platform, or contact Cactus Capital today to discuss your next investment opportunity.