Klinkloans

Arizona-based private lender with 20 years of local real estate investing experience serving investors statewide.

BRONZE LENDER

Fix & Flip, Ground Up, Other

Virtual Inspections allowed on:Fix & FlipGround UpOther

Loan Close Time: 2-3 business days

Overview

Klinkloans is a hard money lender serving real estate investors in Arizona, with a focus on the greater Phoenix market. The team brings 20 years of real estate investing experience and 7 years as a private lender, and builds direct relationships with decision-makers to offer flexible, competitive loan programs and clear communication.

Klinkloans emphasizes a fast, simple process and can close in as little as 2 business days. Loans are offered in Arizona only.

Draw & Construction Process

Here are the items that Klinkloans requests to process a draw:

Invoices for items over $1,000
Lien waivers for items over $5,000
Spreadsheet or document showing a line item breakdown of costs spent for the draw
An estimated cost to complete the project
We will either request pictures or conduct an inspection of the property verifying the items installed.

Best For

Loan Programs

Klinkloans offers financing in Arizona only, with terms typically from 6 to 12 months (certain projects up to 24 months, case by case):

Construction loans: purchases funded at 80% loan-to-value or loan-to-cost, whichever is lower; renovation financing typically set at 75% LTC, with draws contingent on the unpaid principal balance remaining under 80% LTV.
Loan types include fix and flip, construction, cash-out, short-term rental, group homes, trustee sales, bridge, commercial, and church move-up loans.

Resources

Legal / Disclosures

Klinkloans offers loans in Arizona only. Its mortgage originators (Mike Zins NMLS #183815, Jean Klinkhamer NMLS #1504656, and Cole Sundt NMLS #2162142) are licensed by Stewardship Mortgage. Stewardship Mortgage LLC is an Equal Housing Opportunity Lender and a licensed Mortgage Broker (MB #0909516, NMLS #154011) in Arizona, acting as a Loan Originating Agent and not a principal. Klinkloans Fund LLC is the funding lender and principal. Contact number listed is 480-888-6319.