42 SOLUTIONS, LLC • ARIZONA PRIVATE LENDER
ARIZONA PRIVATE LENDER BUILT
FOR SPEED AND
EXECUTION
42 Solutions makes short-term, first-position loans to fix-and-flippers and developers, with a focus on Arizona. The Fund lets accredited investors invest in a share of those same loans and receive the interest monthly.
FROM APPLICATION TO FUNDING
CLEAN TITLE, COMPLETE FILE.
48 hrs
24 HRS
TO FUND A VERIFIED DRAW
For verified accredited investors only · Reg D Rule 506(c)
88+
Loans Funded
as of September 2026
$36M+
Lent to date
As of SEPTEMBER 2026
Lending figures shown reflect the activity of 42 Solutions, LLC, not the performance of 42 Income Fund LLC.
THREE STEPS, AND A REAL PERSON ON EVERY ONE.
HOW IT WORKS
We look at real deals, not generic checklists. Submit your loan application and you will hear back from someone who can actually say yes.
01
SUBMIT YOUR LOAN APPLICATION
Address, purchase price, rehab budget, and your estimated after-repair value with comps. That is enough for us to give you a real answer, not a maybe.
02
WE UNDERWRITE IN HOUSE
No credit committee, no outside approval. We know these markets first-hand and we validate the numbers ourselves.
03
WE CLOSE AND BUILD
Submit Monday, fund Wednesday — as long as title comes back clean and your file is complete. Then draws within 24 hours of verified work.
FAST • CREATIVE • RELIABLE
SPEED
A bank takes 30 to 60 days. We can fund in as little as 48 hours from your application — submit Monday, close Wednesday, provided title is clean and your file is complete.
CREATIVE
Our capital is 100% private, so we can structure around real-world scenarios instead of forcing your deal into someone else's box.
RELIABLE
Disciplined underwriting, clean execution, and one person who owns your file start to finish. What we quote is what we close, and your draws land on schedule.
LENDING PARAMETERS
THREE STEPS, AND A REAL PERSON ON EVERY ONE.
FUNDING
$100K—
$2.5M
Up to 90% of purchase and up to 100% of rehab, funded in draws.
PRICING
12% + 1 pt
Origination Fee
Interest is annualized with no prepayment penalty. Standard processing and doc prep fees are quoted on the term sheet.
TERMS
12 months
Flexible term length based on project.
Extensions available on case by case basis
FUNDING
48 hours
From application to funding, with clean title and a complete file. Draws funded within 24 hours of verified documentation.
Parameters are subject to change on a case-by-case basis. If your deal sits outside them, send it anyway — we would rather look at it and tell you honestly.
LENDING PARAMETERS
RUN THE DEAL BEFORE YOU RUN THE NUMBERS BY US
Our Deal Analyzer puts purchase price, rehab budget, after-repair value, and holding costs in one place, then shows you what the deal actually returns — and what we could lend against it. Free, no login required.
Want the comps behind the numbers? The Draw sends real deals and Arizona market data every week — free, and not just for borrowers.
PURCHASE
REHAB
AFTER-REPAIR VALUE
PROJECTED PROFIT
ILLUSTRATIVE EXAMPLE ONLY
$340,000
$72,000
$525,000
$78,400
THREE PRODUCTS. NO CONFUSION.
WHAT WE LEND ON
Each has its own page with full terms, draw mechanics, and what we need from you.
We consider other opportunities on a case-by-case basis. If your deal does not fit neatly into one of these, call us — we would rather look at it.
THREE PRODUCTS. NO CONFUSION.
01
PRIVATE CAPITAL
Our money is our own. No warehouse line to answer to, no investor pulling funding mid-project.
04
DRAWS THAT ACTUALLY FUND
Within 24 hours of verified documentation. We are lenders ourselves, so the draw process is not outsourced — your crew does not sit idle waiting on us.
WHY 42
02
A SMALL TEAM BY DESIGN
You work directly with our small team. No handoffs between departments, no broker relaying answers, and every final credit decision is mine.
05
NO PREPAY PENALTY
Sell in month four and you pay for four months. We are not trying to trap your interest.
03
ARIZONA EXPERTISE
We validate your comps and rehab budget against markets we know first-hand, not a national model.
06
RUN BY INVESTOR
Devon has been the borrower and the flipper. That is why the underwriting is realistic and puts borrowers in position to succeed.
HOW DOES IT COMPARE?
WHAT MATTERS
BANK
NATIONAL HARD MONEY
42 SOLUTIONS
Time to close
30-60 days
10-21 days
As little as 48 hours
Who decides
A committee
An algorithm
Us, in-house — final
Who you talk to
Whoever picks up
A portal and a queue
Us, in-house — final
Terms you were quoted
Can move at
underwriting
Can move at underwriting
What we quote is what we close
Draw turnaround
Weeks
Several business days
24 hours, once verified
Structure & Flexability
A rigid box
A national credit box
We structure around the deal
Distressed property
Rarely
Sometimes
It is the whole business
Local market knowledge
Varies
A national model
We work here
THE CLOSING THAT SLIPS
Three weeks becomes five. The seller moves on, or you pay to extend. The deal you lost is the most expensive deal you will ever do.
RUN THE MATH
OUR 12% VERSUS THEIR 10%
Say another lender quotes you 10% and we quote 12%. On a $400,000 loan you hold for six months, that two-point difference costs about $4,000 — roughly $667 a month.
Now price one extra month of carry on that same project: interest, taxes, insurance, utilities, and your crew standing down. On most Arizona flips that single month costs more than the entire two-point spread. Miss the closing and lose the property altogether and it is not close.
$400,000 LOAN • 6 MONTHS
Their 10%
$20,000
Our 12%
$24,000
The difference
$4,000
One extra month of carry
USUALLY MORE
ILLUSTRATIVE ONLY — YOUR NUMBERS WILL DIFFER
THE CHEAPEST MONEY IS RARELY THE CHEAPEST DEAL.
We are not the lowest rate on the market and we do not pretend to be. Here is what a lower rate often costs you instead.
WORTH SAYING IT OUT LOUD
THE TERMS THAT MOVE
A rate quoted at application is not always the rate at closing. When leverage drops late, the cash you have to bring is worth far more than the points you saved.
THE DRAW THAT SITS
Ten days waiting on a draw and your crew takes another job. Every week of delay is another month of carry, and rehab timelines rarely recover.
$36M+
LENT TO DATE
as of September 2026
88+
LOANS ORIGINATED
as of September 2026
Licensed
AZ MORTGAGE BANKER — 42 SOLUTIONS, LLC NMLS #2677176
WHO YOU ARE WORKING WITH
DEVON KENNARD
Arizona native, and the principal behind 42 Solutions, a licensed Arizona mortgage banker. I have been the borrower, the flipper, and the guy trying to close before a seller changed his mind — which is why 42 Solutions underwrites the way it does. Every loan is reviewed in house, in markets we know well enough to price the risk.
MORE ABOUT DEVON AND 42 SOLUTIONS
“If you have a deal, we are ready to look at it. Let's build."
THE QUESTIONS YOU SHOULD ASK.
GETTING STARTED
REAL PROPERTY. REAL CAPITAL. REAL FAST.
PHOENIX
$1,650,000
SCOTTSDALE
$921,000
MESA
$315,000
TEMPE
$450,000
THREE STEPS TO FUNDED.
1
SUBMIT YOUR LOAN APPLICATION
Apply Now opens the secure application in our borrower portal — or just call if the deal is time-sensitive.
2
GET A REAL ANSWER
We underwrite in house and tell you yes, no, or what would make it work.
3
CLOSE AND DRAW
Close in as little as 48 hours, then draws within 24 hours of verified work.
hAVE A DEAL READY?
LET'S BUILD
Apply Now opens the secure application in our borrower portal, and you will hear back from someone who can actually say yes. If your deal is time-sensitive, call — that is faster than any form.
602-501-1174
NOT LOOKING FOR A LOAN?
42 Solutions lends its own capital — and accredited investors can invest alongside us through the 42 Income Fund.
SUBMIT YOUR LOAN APPLICATION
Apply Now opens the secure application in our borrower portal. It takes a few minutes, and you can track the file all the way to funding in one place.
Property address, purchase price, rehab budget, and your estimated after-repair value with comps.
We underwrite in-house and come back with a real answer.
Submit Monday, fund Wednesday — with clean title and a complete file.
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02
03
THE DRAW • FREE WEEKLY NEWSLETTER
WEEKLY LENDING INSIGHTS FOR ARIZONA REAL ESTATE
The Draw is for everyone working in Arizona residential or commercial real estate — flippers, developers, agents, brokers, contractors, and investors. Not just our borrowers.
Every week: real numbers, real deals, and real market data from the loans we are actually funding. What is trading, what is stalling, where rehab budgets are landing, and what we are seeing in the market before it shows up in a report.
