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WE ARE 42 SOLUTIONS
Private Lender in Arizona for Fast, Flexible Real Estate Funding
Flexible private loans for fix & flips, rental property financing, and short-term real estate deals trusted by Arizona investors.
At 42 Solutions, we are a private lender in Arizona helping real estate investors access fast, reliable capital to close deals with confidence. Whether you are flipping a home, financing a rental property, building new construction, or bridging to your next opportunity, we provide fast real estate funding in Phoenix and across Arizona.
Our lending approach is flexible, transparent, and tailored to your investment goals. With direct capital from Devon Kennard, an experienced investor and operator, we understand the realities of scaling a real estate portfolio and structuring deals that actually work.
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Timing matters in real estate. That is why we prioritize speed, service, and smart underwriting, so you can close quickly, compete confidently, and scale your business with the right capital partner.
FAST | CREATIVE | RELIABLE
Customized Solutions for Your Financial Needs
At 42 Solutions, we provide a variety of lending solutions tailored to meet your specific investment needs:
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Fix-and-Flip Loans: Financing for acquiring and rehabbing properties, helping you turn them quickly for profit.
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New Construction Loans: Capital for building new residential or small commercial properties from the ground up.
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Bridge Loans: Short-term financing to bridge the gap between projects, purchases, or refinances.
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1st and 2nd Position Loans: Flexible options for primary or subordinate financing to suit your deal structure.
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Cross-Collateralization: Leverage multiple properties as collateral to secure the financing you need.
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Joint Venturing Opportunities: Partner with us to share risk and reward while scaling your investments.
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Small Balance Commercial Loans: Customized funding solutions for smaller commercial projects.
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We understand the importance of scaling quickly while minimizing the use of your own capital. That’s why we offer up to 100% financing for purchase and rehab costs, ensuring total funding does not exceed 70% of the property’s ARV (After Repair Value). This approach keeps your projects profitable while managing risk effectively.
Lending Parameters
$100,000 - $1,500,000
​Disclaimer: Subject to change on a case-by-case basis
Interest Rate
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12% interest annualized
Funding
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Up to 100% of purchase and rehab costs, capped at 70% of ARV
Origination Fee
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1%, net funded (no out-of-pocket at closing)
Loan Terms
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6 and 12-month terms with extensions considered case-by-case
*Will consider a lower LTV on a deal-by-deal basis
*For a personalized consultation and to discuss how we can tailor our services to meet your specific needs, we invite you to submit a loan application or contact us directly.
Why Choose 42 Solutions?
At 42 Solutions, we specialize in fast real estate funding, delivering financing decisions within 48 hours or less once all required information is received. We offer flexible capital solutions including first and second position loans, cross-collateralized structures, joint ventures, and small-balance commercial loans, allowing us to tailor financing that helps investors scale while maximizing available capital.
We work primarily with experienced real estate investors and focus on reliability, speed, and execution, so you can move confidently, close deals efficiently, and stay competitive in the Arizona market.
Our Services
At 42 Solutions, we offer a range of lending solutions tailored to meet your unique investment needs, including fix-and-flip loans, new construction financing, bridge loans, 1st and 2nd position loans, cross-collateralization, and small balance commercial loans. Our goal is to help you scale faster by providing up to 100% financing for purchase and rehab costs, ensuring total funding remains within 70% of the property’s ARV. With flexible options and creative financing, we’re here to support your success while managing risk effectively.
Competitive Advantage
Our rates are competitive and depend on the specifics of each deal, but typically, we charge 12% interest and a 1%+ origination fee. Contact us to discuss how we can tailor a solution to meet your unique needs.
Tailored Solutions
We specialize in working directly with experienced Arizona investors, offering customized solutions that fit your specific goals. Our internal team makes decisions in-house, ensuring faster approvals and more flexibility than traditional lenders.
Streamlined Process
We value your time. Our streamlined approval process ensures you get the capital you need when you need it, with draw requests funded within 48 hours or less (provided all necessary information is submitted).
Ready to grow your portfolio? Email us at info@weare42solutions.com or Apply Now to get started.
Investor-Focused Lending
We are transforming the way we think about lending. We place a premium on forging strong partnerships with experienced investors who value trust, expertise, and a customized approach to financing.
Arizona,
Maricopa County
Our Partners
