Can You Work with Hard money lenders in Arizona as a First-Time Investor?









iStock_000067965589_XXXLarge v1One of the biggest questions first-time investors ask is whether they can get approval from hard money lenders in Arizona or not. The truth is, you can get funding, but you’ll have to demonstrate knowledge.

Real estate investors turn to hard money lenders in Arizona for a myriad of reasons. Sometimes their projects simply won’t qualify for a traditional loan at the onset, while other times having cash ready to go helps ensure they can grab the property before someone else does. First-time investors face additional challenges, as banks usually need to see a track record for success before they’ll put their money on the line as well.

Ergo, most seasoned investors work with hard money lenders in Arizona on a regular basis and keep this option in their toolkits for various situations and property types. As a newcomer, you’ll want to become established with professionals you can trust as well, so that you can turn to them as needed and streamline the process for subsequent projects. Getting that first approval can seem daunting, though.

On the bright side, alternative funding options aren’t set up like banks, which means that you don’t necessarily have to have a portfolio of successful projects in order to get approved. With HMLs, the biggest concern is the value of the property, meaning if you can grab real estate for less than it’s worth, the odds of getting approval are relatively high. You’ll often hear the term “loan to value” or “LTV,” which refers to the amount of your loan in relation to the value of the property. For example, if the property is worth $100,000 and you’re requesting a $70,000 loan, your loan to value is 70%. Sometimes, HMLs will go as high as 90% LTV.

If You Have Some Experience, You Can Get Funding More Easily

Naturally, the LTV is only one part of the equation. If you have some kind of experience which relates to the project you’re undertaking and have a strategy to overcome difficulties along the way, that will impact your ability to get funding too. Many first-time investors have backgrounds in the mortgage industry, real estate, appraisals, home repair, or similar, so it’s easier for them to understand the value of a project, what must be done to increase value, and what the property will likely sell for upon completion. This type of experience really shines when an investor is pitching his or her idea and can often help overcome a lack of formal investment experience.

Don’t let lack of funding stand in the way of your success.

Ultimately, the best way to know if hard money lenders in Arizona will work with you is to talk with a broker before applying. A great broker will walk you through the process, let you know what HMLs are looking for, and make suggestions specific to your situation that will improve the chances of getting an approval on the first go. If you’re still denied, ask lots of questions to find out why and learn what you can do to improve the odds next time around. First-time investors absolutely can get funding; having a solid strategy and finding the right HML for your needs are the vehicles that will get you there.

Dennis Dahlber Broker Ri CEO Level 4 Funding LLC Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC 
Hard Money Lender
Hard Money Loans
Hard Money Loan
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
Dennis Dahlberg Broker/RI/CEO

NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave | Austin | Texas | 78701 

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions

Top 3 Niches Arizona Private Money Lenders Love to Fund

Defining a preferred niche when you’re in real estate investing can help you establish yourself as an authority, which leads to better deals and more sales. Being in a preferred niche can also help when you approach private money lenders, provided you’ve chosen your market wisely.

1. Single-Family Fix-and-Flips: Going with traditional fix-and-flips is quite common and these get funded all the time. However, you may want to consider digging a little bit deeper and working a specific region, choosing a specific style of home, or catering to a certain demographic. For example, some like to work only in established neighborhoods, while others like to focus on severely distressed properties, and some prefer historic homes. Choose an area that feels right to you and run with it.

2. Multi-Family Units: If you’ve already done some fix-and-flips, multi-family units are a sound way to diversify. You can treat these as flips or repair and hold, giving yourself a steady trickle of income to help you grow your wealth.

3. Fix-and-Holds: Whether you plan to rent your space out through something like HomeAway and Airbnb or get long-term renters in to cover costs and provide a revenue stream, fix-and-holds can be a sound bet. Make sure you’ve got a method to refinance or pay off your balance when your term ends though, as loans through are Arizona Private Money Lenders typically short in duration, lasting fewer than five years.

Choosing a Niche Shows Others You’re the Real Deal

When you establish yourself in a specific niche, you demonstrate you’re an authority in that area. That’s a boon when you’re working with Arizona private money lenders, but it goes deeper than that. For example, the longer you focus on a niche, the more people learn what area you specialize in. Other investors and sellers are likely to contact you when they see a property that fits your usual guidelines, saving you the trouble of hunting them down. Buyers who need properties like the ones you produce will also seek you out, meaning you’ll spend less time marketing and homes will start selling before you’ve even listed them. On top of this, it makes your marketing easier; from your website to your business cards and even social media, you’ll be able to present yourself as the authority in an area and network more with people you can help as well as those who can help you.

If you can master one area, you can diversify too.

Being an expert in one area will help you make better connections, streamline processes, and make you more appealing to an Arizona private money lenders, but markets often run in cycles. Because of this, you should work with various investment opportunities to fortify your revenue streams. Explore different parts of your city or state, create a portfolio of rentals at different price points, and pay attention to shifts in the market. That way, you can explode your wealth in the here and now with your niche, plus will be ready and able to pivot and continue growing even if the markets change.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027

111 Congress Ave | Austin | Texas | 78701  

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions

Give Me 30 Days and I’ll Get You $1,750 Using Loans for Airbnb Business

The average person is now making $21,000 annually by renting out their second home. If you’d like to get in on this cash cow, loans for Airbnb businesses will get you there.

A recent report regarding second home purchases highlights a growing trend. People are purchasing second homes at startling rates, but not necessarily to live in. Whereas about 90% of people planned to live in their second homes just a few decades ago, now fewer than 40% intend to. This, of course, is due to the booming rental industry brought about by home-sharing platforms like Airbnb and HomeAway.

The data from the report includes all people with second homes, not purely those who make a buy for the sake of business, but the numbers are compelling. For example, about 35% say 100% of their costs are covered by the rental income and about 13% of those are making a mortgage payment. A further 32% are generating profit, and a final third says it helps them cover some of their costs. Again, though, some of these people are living in their second homes too; they’re not running them as a true business.

Considering all the different types of people who are using homes as short-term stay revenue generators, the average income generated is $21,000 per year. That’s a big chunk of change, which works out to $1,750 per month; more than enough to cover the cost if you’re taking out loans for Airbnb businesses, plus cover odds and ends for your renters and create a revenue stream.

If You Can Differentiate Your Property, You’ll Have More Success

People are flooding into the market because it’s so profitable and getting loans for Airbnb businesses is relatively easy, but not all know how to work the system to generate maximum profit. Potential renters are looking for a few key things. First, they want to spend less than $1,000 per week to rent a place, and their preference is for a detached home or villa. Secondly, they want specific features, such as a good internet connection and air conditioning. Lastly, they want to know why your place is unique. Top-earners are setting themselves apart from the pack by adding luxurious touches, providing their guests with welcome baskets, and offering information about local attractions, services, and destinations. A few even go the extra mile and theme their rentals.

You do not need your own cash to start a lucrative business—you can begin working from home today!

Staring up a successful work-from-home biz is hard, particularly because banks don’t trust startups to succeed and are wary of lending out money. Loans for Airbnb businesses are different because you can kickstart the process with hard money; cash from private lenders (not banks), that are based on the value of your property and not on your personal credit or other factors banks commonly use. Most of the people working this system are paying on a loan too—to the tune of about 59%, and they are making money doing it. They are working from home, running their rentals, living the life they want on their terms, and averaging just shy of $2,000 a month doing it. Kind of makes you wonder why you haven’t started yet, doesn’t it?



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027

111 Congress Ave | Austin | Texas | 78701  

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions

3 Things to Know Before Approaching Residential Hard Money Lenders

If you’re a newcomer to fix-and-flips, residential Arizona Hard Money Lenders can be your best ally. Learn a bit about what they’re expecting before you apply to ensure you get approved.

1. Credit doesn’t matter, but experience does. One of the reasons why working with residential Arizona Hard Money Lenders is awesome is that your personal credit score doesn’t usually matter. You can have rotten credit and still get a loan to finance your flip. Newcomers can get financing as well, but the terms you’re offered are likely to improve as you gain more experience. If you’re cash poor but idea rich, plan to start off on smaller projects first, then build up to bigger and more expensive ones after you’ve demonstrated you’ve got what it takes to be successful.

2. You’re going to have to have some of your own cash. A great broker can work miracles and find alternate ways to get you financed, but you’re likely going to have to have some of your own cash in the deal, even if it’s just to cover the cost of getting financing set up. If you’re struggling to scrape up your own cash, focus on finding one really good deal; a home that’s being sold for far less than it’s worth. Sellers can become especially motivated to slash prices during divorces or when they’ve gotten in over their heads with projects. These situations may be your best bet if you’re trying to break in with minimal cash.

3. You need to be 110% certain you won’t run out of cash. Always leave room in your budget for unexpected expenses. Sometimes newcomers are eager to get going and work with a tight budget or, worse yet, assume they’ll be able to get additional funding after the project gets underway. In reality, it’s really difficult to get extra funding partway through and most projects that run out of cash simply stop.

Your Team Wants You to Be Successful

Generally speaking, residential Arizona Hard Money Lenders are people just like you, but they’ve grown their wealth enough that they can begin investing in projects like yours. Their approach to lending is different than most. What they care about more than anything else is that you’ve done your diligence and have the ability to carry out a successful project. When you work with a seasoned broker, he will also be part of your team, helping make sure you’ve got everything in order and that what you’re bringing to the table is presented to investors in a way that gets them excited about what you’re doing.

If you know how to evaluate a good deal and need some cash to get going, HMLs can lend a helping hand.

While you don’t need to have good credit or a ton of cash to get started with fix-and-flips, you do need to have the right mindset and do your homework before jumping in. If you’re set on those, talk to an established broker who will help you get the best terms possible from residential Arizona Hard Money Lenders and get you started on the path to wealth.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027

111 Congress Ave | Austin | Texas | 78701  

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions

BECOME SUCCESSFUL WITH ARIZONA SPEC HOME INVESTING








536349311You’ve heard the term, but what is an Arizona spec home? Is it a smart move to invest in one?

Speculation building is a significant part of the new home construction market. Since 2016, close to three quarters of new single-family houses have been built on “speculation”- meaning, the home was built with an intention to make a profit. When the market is healthy Arizona spec homes are abundant because builders can build them quickly, sell them even faster and use the profits to build even more Arizona spec homes. This is a potentially large profit-making probability; financing these types of projects can be arduous.

There are many factors, for an investor, to consider when making a decision to be involved in the building of an Arizona spec home. It is imperative that the investor has a complete and thorough understanding of the local housing market. The challenge lies in balancing costs of the home’s features with what will ultimately make the home sell. Crucial factors, for the investor, to consider are: the local job market, design and architect and local housing prices. It is also necessary to keep the house nonspecific enough that it will appeal to the masses of buyers versus just a select population. These are key components that investors will take into account when making a determination on an investment.

What do I need to know about finding a spec home investor?

The investor will always have full control of the project’s expenses. Spec houses are just that, a speculation of sale. If the local buyers needs aren’t met, it can result in a loss versus a gain for the investor.

There are banks that lend for spec builders. However, banks tend to offer most of their lending toward custom homebuilding and large developments. That leaves room for private investing. In Phoenix there are a multitude of large new housing developments. It is becoming more common to invest in Arizona spec homes because it is becoming harder to find distressed homes to invest for fix and flips.

Hard money investors are the way to go when it comes to funding a Arizona spec home. The loan will be a shorter duration than a traditional bank. There is a high demand for new homes in many metropolitan areas. In a market with high demand and low inventory it is always a good time to build a Arizona spec home; and a Arizona hard money lender is your best bet when it comes to funding that project. It is of essence that you chose a location that your lender is comfortable with. Phoenix and Las Vegas, for example, are both booming cities with room for growth and a fast growing population. Arizona hard money lenders can provide fast funds for Arizona spec homes that would be near impossible with a traditional bank. The borrowers responsibility can run from no money down to upwards of 50% down.

What do I bring when I meet with a hard money lender?

Before you meet with a potential lender; gather all documents concerning your financial position and collect as much information, as possible, about the property. You will need your previous two years’ tax statements, all bank statements, your business’ profit and loss statements and a listing of all your assets and liabilities. When it comes to the property, you will need: a budget, a list of all materials that will be needed and income and expense statements. Some lenders will require more than others. However, it is always best to be over-prepared when meeting with your investor.


Dennis Dahlber Broker Ri CEO Level 4 Funding LLC Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC 
Hard Money Lender
Hard Money Loans
Hard Money Loan
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
Dennis Dahlberg Broker/RI/CEO

NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave | Austin | Texas | 78701 

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions

WHY YOU SHOULD WORK WITH AN ARIZONA PRIVATE MONEY LENDER








What is a private money lender? How can I benefit from one?

The definition of a Arizona private money lender is a non-institutional lender that issues short-term loans for the purchase and renovation of an investment property. These loans are secured by the borrower’s assets. An Arizona private money lender can be anyone from a family member to a private lending institution.

Private money lenders are commonly known as Arizona hard money lenders. These are considered the best types of lenders due to their reliability, costs, fees and loan terms.

The interest on a private money loan is an interest-only monthly payment. What that means is that throughout the repayment period the borrower pays only the interest accrued on the loan as their monthly payment. Then, at the end of the loan it is paid in full. Even though the interest rate will be higher than a conventional bank loan, the monthly payment may easily be less. Because of this many house flippers take out loans from private money lenders. In fact, short-term Fix-and-Flippers that want to buy, renovate and sell within 6 months to a year are great candidates for private money loans. Buy-and-Hold Investors looking to purchase and renovate a rental property, prior to refinancing with a conventional loan, also benefit from these loans. However, private money loans will fund a variety of properties such as apartments, condos, commercial real estate, and single family homes.

How do Arizona private money lenders work?

Traditional bank loan approval is based largely off a borrower’s FICO score, revenue stream and employment. Private money lenders are less concerned with your FICO score and more interested in your hard assets. This gives the lender security knowing if the borrower defaults they will be repaid.

After-rehab-value (ARV) and loan-to-value (LTV) are terms borrowers should familiarize themselves with. ARV is what the property will be worth once the renovations are complete. LTV describes the size of the loan you take out compared to the value of the property that is securing the loan. Private lenders will usually loan out an amount that is equal to a percent of a property’s LTV or ARV. Most commonly they will lend 90% of a property’s LTV and 80% of a property’s ARV. That being said, it is pretty common for private lenders to give loans based on ARV for a property in poor condition and a loan based on LTV in fair to good condition.

What to look for in an Arizona private lender.
  1. Interest rates and fees— Private money loan interest rates will vary. Typically, interest rates are somewhere around 8%-15%; lending fees around 1.5%-11%. Make sure you research and find the rates and fees that will work best in your situation.

  2. Experience— Lenders are proud of the years they have been in business and the amount of loans they have approved. Often this type of information is found on their websites. The more deals they have done equals more experience. Having experience on your side will make this process run more smoothly.

3.   Specialization: Private lenders frequently have a specific area of real estate

     they specialize in; this can be residential or commercial. You want to work

     with a lender that has experience in the property type you are financing.

Do your homework; find a lender that will work for you. It can be a scary step. But, once you familiarize yourself with the process it can make your dreams come true!



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC 
Hard Money Lender
Hard Money Loans
Hard Money Loan
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
Dennis Dahlberg Broker/RI/CEO

NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave | Austin | Texas | 78701 

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions

4 Things to Consider Before You Take Out an Airbnb Loan

Taking out an Arizona Airbnb Loan and starting a business is a great way to diversify your revenue streams or begin working from home. However, there are a few key things to consider before making a purchase

1. Laws: Home sharing and short-term home rentals soared when the economy slumped. It gave homeowners the opportunity to earn some cash and vacationers a way to pick up a cheap rental. Since then, it has morphed into real businesses, and hotels are not happy about that. The good news is, letting a home is legal in most places, but there are some, such as certain parts of California and New York City where regulations are tight. Check your local codes to make sure you’re in the clear before you take out an Arizona Airbnb Loan and get started.

2. Competition: The average person is now netting $21,000 per year by renting out a second home. The opportunity for profit is big enough that competition can be a concern in certain areas. If you find an area or property you like, check how many homes within a 5 or 10-mile radius are already available and whether they’re fully booked or not.

3. Location: Demand soars in specific areas. Beaches and other types of vacation destinations have high demand. You can also target locations by airports, business centers, hospitals, and other places out-of-towners may frequent.

4. Distinction: Although short-term rentals became popular because people were simply renting out unused space, today’s market is a bit different. Your rental will need to have distinguishing features or amenities. Some people craft their places around a theme, such as a beach or local attraction. Others focus on luxury, perhaps by using premium linens and offering concierge services. Some focus on making homes family-friendly. Identify a niche and run with it. Not only will you rent out your space more, but you can command more for it.

Create Realistic Expectations when You Evaluate Your Cash Flows

As you map out the potential profitability of any given location, keep in mind that the average renter is looking for at least a couple of bedrooms and wants to spend under $1,000 per week. Add up what your expenses will be as well. Things like making payments toward your Airbnb loan, covering repairs, cleaning between guests, and stocking household necessities should all be part of your budget. If the anticipated earnings don’t leave much profit for you, move on to a different location.

You can launch your own business and work from home without needing a bank loan.

More than half of all people purchasing a second home are doing so with some form of financing, and bank loans are one way to do it for sure. However, if your credit is rotten or you don’t have other criteria the banks look for, getting an Arizona Airbnb Loan from a private hard money lender may be your best option. These are based off the value of the property you select and the home is used as collateral, so you don’t have to meet rigid requirements. Best of all, most are set up as interest-only loans, which will give you the option to begin renting your place out and generating cash without making monthly principal payments—just be sure you’re prepared to pay off the balance of the loan in its entirety when it’s due. With these things in mind, it’s easy to begin a lucrative rental business and create new streams of cash.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027

111 Congress Ave | Austin | Texas | 78701  

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions

4 Unspoken Mistakes People Make with Fix and Flip Loans in Arizona and Properties

You’ll hear a lot of advice about choosing Fix and Flip Loans in Arizona and ideal rehab properties. However, knowing the things people don’t like to talk about, such as their errors and missteps, will set you apart from the pack.

1. Assuming a property will sell for the same price per square foot as others in the neighborhood. Running an analysis goes a bit more in depth than that. Sometimes newcomers forget to consider features of properties that have recently sold in an area, such as pools or larger lots. Even the overall size of the property can impact the price per square foot. You really need to drill down the data of the properties you’re comparing to identify what your property is likely to sell for; don’t just look at overall prices per square foot in the neighborhood.

2. Using speculation to determine if a deal is worthwhile now. “It’s an up-and-coming neighborhood,” you’ve likely heard. What exactly does that mean now? Are there jobs nearby now? Is the location safe now? Are people moving to the area now? Don’t bet on a deal purely because a new employer is eying moving in or another developer is working nearby. When you’re doing rehabs, you’re typically looking at a shorter timeline, and the things that may add value to the property may not be in place by the time you need to sell. If you’re working a fix-and-hold strategy, it can be even more dangerous to make a bet based on something you think will happen a couple years down the line.

3. Thinking their reputation doesn’t matter. Doing good business does matter, for lots of reasons. Making repairs properly will earn you a good reputation, which can help you move properties faster. Having a good track record and networking with people can make it easier to find properties and get Fix and Flip Loans in Arizona too.

4. Paying early or late. Your relationship with your contractors is everything, and how you pay them has an undeniable impact on their work. Some try to sweeten the pot and get contractors to shift their priorities by paying for a job before it’s done. That can leave you with an unfinished job. Equally, some are slow to pay, and that kills the relationship with the contractor. Check the work right after it’s finished and pay promptly to ensure quality of work and build long-term relationships.

Project Management and Diligence is Everything

The biggest mistakes people make usually involve going on gut feelings and not following a system that works. You’ll be more successful if you’re working with hard numbers you can see here and now and are mindful of how you spend your Fix and Flip Loans in Arizona to maximize the impact each dollar has.

If you do your homework and follow through, getting funding is easy.

One of the things that’s great about working with dedicated Fix and Flip Loans in Arizona is that they’re not usually based on your credit. They’re based on your ability to find good deals and manage projects. Knowing these mistakes, and avoiding them in your own projects, will help you plan better and be more profitable. It’s also what lenders like to see when you approach them for funding. Keep this in mind as you strategize your next purchase, and you’ll not only have an easier time getting funding, but will grow your wealth quicker.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027

111 Congress Ave | Austin | Texas | 78701  

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

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5 Secrets of People Who Use Loans to flip houses in Arizona and Get Rich

Not all people who do rehabs turn it into a profitable enterprise. However, those who do use loans to flip houses and get rich doing it have a few tricks they apply to every project.

1. They work with the same people to get their loans to flip houses in Arizona every time. Once you establish a relationship with a lender, you can eliminate some of the work associated with getting funds down the line. This is particularly true when you’re working with private money and your broker is the one going to bat for you for each round of funding.

2. They know their numbers. The seasoned pros who make a ton of cash doing it always know their numbers, from the value of a property through all anticipated costs, and what the property will sell for after.

3. They don’t get emotionally attached. Especially if you’re new to investment properties, you may have the tendency to get fixated on a particular one. Perhaps it’s in a great location or is going for an amazing price. Maybe you’ve already done the rehab in your mind a thousand times. Unfortunately, something that seems great can go south for lots of reasons; the seller can be fickle about pricing or you might discover it needs more work than you initially thought, resulting in a thin profit margin. Those who become wealthy from flips walk away from these sorts of deals and don’t look back.

4. They get a property sold before it’s done. From the onset of a project, great flippers are networking, talking about their project on social media, sharing photos, and chatting up neighbors as they visit the home. Quite often, the buyer is a friend or family member of someone who already lives in the neighborhood, so word-of-mouth gets it moved fast and the project concludes without a hitch.

5. They expect issues and delays. Problems aren’t problems at all to the seasoned home rehabber; they’re expected and planned for. There’s always extra cash set aside for issues and a bit of wiggle room in the timeline to allow for delays.

People Who are Successful Risk Less by Knowing More

There will always be some variables you cannot account for. For example, you may think everything looks great, but pull up old carpeting to replace it and realize there’s flood damage that was not disclosed by the seller. This is where expecting issues and delays comes in and making sure that when you get loans to flip houses, you’ve got a financial cushion to dope with the unexpected. However, those who do best spend time getting to know the industry and each property, then crunch the numbers before making a decision.

If you think like a winner, you’ll have success too.

Whether you plan to use loans to flip houses in Arizona to get a single property going or you’re in the process of building a strong portfolio, wealth will be built in steps. This isn’t a sprint to the finish, but rather a marathon you’ll train for. Gold medalists don’t become one overnight. They have trainers, they study their craft, and even focus on the little details that can give them a competitive edge, like nutrition. The more you train, the stronger you will become, and that’s what will bring in the cash.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027

111 Congress Ave | Austin | Texas | 78701  

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions

3 Approaches 100 LTV Arizona Hard Money Lenders Use to Get You Cash

Finding true 100 LTV Arizona Hard Money Lenders is tough. However, when you work with experienced pros, they’ll get you all the cash you need to fund a successful venture.

If you’re into real estate investing or just getting started, it’s important to maximize the cash you have on hand in order to make the purchase and cover any necessary repairs. Chances are, you’ll have a look around and find that there aren’t a whole lot of 100 LTV hard money lenders, meaning few offer 100% of the value of the property. Because they genuinely want you to be able to wrap up your deal and come back to them for the next one, usually around 60-70% of the property’s value is offered. In some cases, that’s just not enough to get a project off the ground. Relax. You still have options that can bump up your loan amount higher; perhaps even to the 100% mark.

1. Cross-collateralization. Let’s say you want to purchase a property worth $100,000 but only got approved for 60% of the value of the property (60% LTV), which equates to $60,000, and you know you’re going to need to sink $40,000 into it in order to do repairs, but at the end, you know it will sell for $150,000, netting you $50,000 in profit. Ultimately, that $60,000 loan isn’t going to cut it unless you’ve got $40,000 of your own cash to do the repairs with. This is where cross-collateralization comes in. You can use another asset as collateral on the loan, ultimately securing 100% of the necessary funds.

2. 100% of rehab. If you’re able to get your hands on at least some cash to cover part of the purchase price, you may be able to secure a loan that covers the full amount of your rehab expenses and up to 90% of the purchase price.

3. Negotiation. One of the benefits of going with hard money is that you can close much faster than you would with a conventional loan, which can work to your advantage if you’re negotiating with a motivated seller. Instead of trying to take out more loans, whittle that sales price down by pointing out to the seller that he’ll be free of his junky house in no time if he’s willing to work with you on price. Remember, typical loans are based on the value of the property, so if the property is worth $100,000 and you manage to get the seller down to $75,000, that’s money in the bank for you. It’s much easier to get 100% when you’re starting off with a screaming deal like this, and yes, those deals (and better) are still out there!

Let an Experienced Broker Help You

If you know the business well and have a good plan, an experienced broker can help you refine your pitch and get your project in front of the right people. 100 LTV Arizona Hard Money Lenders don’t work like banks because they’re not. In many cases, these are individual people betting on you and your project. When you win big, so do they, and each project they fund matters.

You can make your dreams come true and pay no upfront fees.

You don’t have to pay any cash to get started and your broker may be able to come up with solutions beyond what’s outlined here as well. You can get fully funded with 100 LTV hard money lenders, so take the first step and begin the path to success.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027

111 Congress Ave | Austin | Texas | 78701  

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions