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42 SOLUTIONS, LLC • ARIZONA PRIVATE LENDER
ARIZONA PRIVATE LENDER BUILT
FOR SPEED AND
EXECUTION
Close confidently. Execute cleanly. Fix-and-flip and bridge financing for Arizona real estate investors — our capital is 100% private and decisions are made in-house, so we can structure around the deal instead of a committee checklist.
ARIZONA ONLY · $100K TO $2.5M · NMLS #2677176 · BK-2006250
48 hrs
FROM APPLICATION TO FUNDING
CLEAN TITLE, COMPLETE FILE.
24 hrs
TO FUND A VERIFIED DRAW
85+
LOANS FUNDED
AS OF SEPTEMBER 2026
$34M
LET TO DATE
AS OF SEPTEMBER 2026
HOW IT WORKS
THREE STEPS, AND A REAL PERSON ON EVERY ONE.
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
FAST
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
Interest annualized with no prepayment penalty, plus one point origination. Standard processing and document preparation fees are quoted in writing with your term sheet.
TERMS
12 months
Bridge structure with extensions available when a project needs more runway.
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.
FREE TOOL
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
$340,000
REHAB
$72,000
AFTER-REPAIR VALUE
$525,000
PROJECTED PROFIT
$78,400
ILLUSTRATIVE EXAMPLE ONLY
WHAT WE LEND ON
THREE PRODUCTS. NO CONFUSION.
Each has its own page with full terms, draw mechanics, and what we need from you.
FIX & FLIP
Purchase plus rehab financing for value-add residential projects. We fund the renovation in draws against verified completed work, so your capital stays in the deal instead of sitting in a lump sum.
FIX & FLIP LOAN TERMS
BRIDGE
Short-term financing for purchases, refinances, and transitional opportunities — when timing matters more than the lowest rate on paper and you need certainty at the closing table.
BRIDGE LOAN TERMS
NEW CONSTRUCTION
Ground-up financing for infill lots — the teardowns and vacant parcels inside established neighborhoods that banks will not touch. Funded in draws as the build progresses.
NEW CONSTRUCTION TERMS
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.
WHY 42
SIX REASONS INVESTORS KEEP COMING BACK.
01
PRIVATE CAPITAL
Our money is our own. No warehouse line to answer to, no investor pulling funding mid-project.
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.
03
ARIZONA EXPERTISE
We validate your comps and rehab budget against markets we know first-hand, not a national model.
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.
05
NO PREPAY PENALTY
Sell in month four and you pay for four months. We are not trying to trap your interest.
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
Who decides
A committee
An Algorithm
Who you talk to
Whoever picks up
A portal and a queue
Terms you were quoted
Can move at underwriting
Can move at underwriting
Local market knowledge
Varies
A national model
Distressed property
Rarely
Sometimes
Structure & Flexability
A rigid box
A national credit box
Draw turnaround
Weeks
Several business days
As little as 48 hours
Us, in-house — final
A three-person team
What we quote is what we close
24 hours, once verified
We structure around the deal
it is the whole business
We work here
WORTH SAYING IT OUT LOUD
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.
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.
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.
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
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."
$34M+
LENT TO DATE
AS OF SEPTEMBER 2026
85+
LOANS ORIGINATED
AS OF SEPTEMBER 2026
Licensed
AZ MORTGAGE BANKER — 42 SOLUTIONS, LLC
NMLS #2677176
WHAT BORROWERS ASK.
TESTIMONIALS
GETTING STARTED
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.
01
02
03
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.
FOR VERIFIED ACCREDITED INVESTORS ONLY • REG D RULE 506(C)
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.
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