Los Angeles Hard Money Lenders
Phoenix real estate continues to offer strong opportunities for investors who understand timing and capital structure. Property values have risen over the past several years, creating equity that many owners want to use without disturbing an existing first mortgage. When refinancing is not ideal or speed is critical, a 2nd trust deed loan can provide access to that equity.
RTI Properties works with Phoenix investors who need short-term, real estate-backed financing to keep projects moving. Our second-position trust deed loans are built around the property, the numbers, and a clear exit plan, not slow bank approvals or rigid checklists.
Commercial Lending Specifications
| Loan Term | 1-2 Years |
| Loan Amount | $250,000 to 20,0000,000 |
| Lending Area | California | Nevada | Colorado |
| Trust Deeds | 1st & 2nd TD's |
| Loan-to-Value | Up to 75% |
| Interest Rate | Starting at 8.75% |
| Origination Fee | 1 to 3 Points |
| Prepayment Penalty | Not Required |
| Closing Time | 7 to 15 Days |
| Interest Reserve | No Payments for 6 Months |
RTI Properties provides private real estate loans secured by trust deeds, including second-position financing. These loans sit behind an existing first mortgage and allow investors to unlock equity while keeping their current loan in place.
We take a practical approach to underwriting. Each request is reviewed based on property value, equity position, location, and repayment strategy. Because we fund directly, approvals move quickly and closings are not delayed by unnecessary steps.
From the start, terms are clearly explained so investors know exactly what to expect.
Phoenix has remained active, supported by population growth, housing demand, and ongoing development across residential and commercial sectors. In November 2025, the median home price reached $465,000, reflecting a 3.4% increase compared to the prior year.
Homes are taking slightly longer to sell, averaging 61 days on the market, up from 56 days last year. Sales volume has dipped modestly as well, with 1,170 homes sold in November, compared to 1,189 sales during the same period the year before.
Despite slower turnover, many property owners are sitting on meaningful equity, especially those who acquired assets earlier in the cycle.
Inventory levels have increased compared to peak years, giving buyers more time to evaluate properties and negotiate terms. Investors are seeing fewer bidding situations and more opportunities to structure deals carefully.
This environment favors investors who have access to flexible capital. Having the ability to act quickly without refinancing delays can be a major advantage when opportunities surface.
Several factors continue to support long-term value across the Phoenix market:
Common uses include:
JUST CLOSED in Long Beach! This was a multiple collateral 1st and 2nd TD loan at $5,400,000 needed for a
A developer was just completing and leasing up a large mixed use project in Santa Clarita. His construction loan had
$412,500 1st TD Bridge Loan Closed in Valley Center CA! Borrower needed fast capital to close on a below market
Our process is straightforward and efficient:
Phoenix continues to attract long-term investment due to:
Approval focuses on the property and deal structure. Factors that support approval include:
Second trust deed financing offers advantages traditional lenders often cannot match:
If you are looking for a reliable 2nd trust deed lender for Phoenix investments, RTI Properties is ready to help. Our direct funding model, real estate experience, and investor-focused approach allow you to move forward with confidence.
Call (562) 857-2285 to discuss your property and explore how a 2nd trust deed loan can support your next investment.
