Category Archives: loans to flip houses

Dreams Come True with Arizona Fix and Flip Loans

How to invest in real estate with Arizona Fix and Flip Loans

Before applying for an Arizona Fix and Flip Loan, you need set a plan in motion. First, locate a property and analyze the surrounding neighborhood comparing the retail values of homes that have recently sold in the area. Put a number on how much the properties are worth. Afterwards, get an idea for how much the renovation of the property will cost. Does it need a new kitchen, a new roof, or exterior paint? What are all of the perceived costs? Once you have found a property that is profitable on paper, you need to factor in the costs of financing and other unforeseeable expenditures.

After setting out the basic blueprint, acquire lending. From lender to lender, note that the structure of Arizona Fix and Flip Loans may vary. Generally, hard money Arizona Fix and Flip Loans have an average LTV ranging between 55% to 80%. If you possess property with phenomenal positive equity or have property that you own outright, you may be able to qualify for Arizona Hard Money Loans of 90% and even up to 100% depending on lender stipulations. However, on average, you will need anywhere from 20% to 45% cash down to get a hard money loan. This shows the lender that you are committed and that you have the equity to buffer a foreclosure.

After establishing LTV, the next item on the list is the interest rate. For Arizona Fix and Flip Loans, you can expect lower interest rates to start around 8%. The average interest rates range from 8% to 14%. While these rates tend to be higher than traditional lenders, banks or credit unions, they are more easily acquired with less federal regulations. Making them a popular choice among many real estate investors.

The Advantages of Arizona Fix and Flip Loans 

One of the main advantages of hard money Arizona Fix and Flip Loans is that they allow individuals to receive a 40% to 50% return on investment with a minimum amount cash down or personal investment. On top of this, the return from flipping houses can be seen within a short amount of time, say 2 to 6 months, depending on the size and scale of the flip.

From entrepreneurs and hobbyists to celebrities, Arizona Fix and Flip Loans has helped many to profit from their investments.

From blue-collar workers to HGTV celebrities, flipping houses has become a lucrative business and hobby. For this reason, Arizona Fix and Flip Loans are able maintain a supplementary profit for the weekend warrior or bolster a business capable of flipping several houses a year. Contact your hard money broker to find out if Arizona Fix and Flip Loans are right for you.


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

How to Retire Early with Loans to Flip Houses in Arizona

619408978An early retirement may be in reach if you invest in the real estate market with a loan to flip a home in Arizona or property. Confidently step into the world of real estate investing with the assistance of the tips and tricks outlined in this brief guide.

Do you have hopes of retiring early so that you can have the freedom to get back to doing the activities that you love to do? This goal is entirely possible with the help of making money through investing in real estate. Getting started with a loan that can help you begin to flip houses can keep you on track to retire early. The best part is that you don’t even have to do the manual labor yourself. You can outsource this work. That’s right! Flipping houses in Arizona does not even require you to be a handyman.

Flipping houses can lead to the great potential to gain huge earnings and make a profit quickly. Most of the time, the main reason that people decide to get into or enter the real estate flipping market is that they have the hope of making a return on their invest quickly. If you are able to navigate the market of flipping houses in the correct way, flipping investment properties can lead to very expansive profit margins in a short period of time. For some people, this can happen in as little as a couple of months.

Real estate investment and flipping investment properties in Arizona can also give you extensive degree of knowledge of the various aspects that come with the real estate market. For example, you will be able to learn about construction and other areas of house flipping you may not have previously had experience with. This new knowledge could open further doors for you as you try to achieve your financial goals and financial prosperity.

Finding the Right Opportunities for Loans to Flip Houses in Arizona

House flipping and investing in real estate is actually at the highest level its ever been in the past decade. The rising prices of property has given an increased availability of financing. The limited housing supply is even giving flippers the great opportunity to be able to acquire higher profits than ever before.

Flipping houses with the help of loans can help you to triple your income and achieve the financial freedom needed to retire earlier so that you can get back to do the activities that you love.

Since the process of buying, fixing and quickly reselling properties in Arizona can be such a great way to begin to make money and retire early, it actually takes much more funds to undergo the process required to flip a house than it does to just purchase a property that you are hoping to live in. Find the right lending opportunities to get stared with purchasing houses to flip and turning these properties into profitable investments. More importantly, this may even allow you to retire early by giving you the financial prosperity necessary to do so.


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

The Benefits of Fix and Flip Loans

David ReeseFlipping houses quickly can be a very lucrative business. But the key to being successful is having fast access to fix and flip loans.

Most people are familiar with the traditional mortgage loans offered by banks and mortgage companies. But everyone also knows that securing a mortgage from a bank can take a great deal of time and effort. When time is critical, such as it is when flipping a house for a profit, Arizona Fix and Flip Loans offer all of the benefits that you need including a fast approval and funding time. A standard bank loan can take far over a month just for approval but the private lender will be able to process your documents and have an answer for you in just a few days.

Another benefit to Arizona Fix and Flip Loans is that these loans can be used on any type of property purchase. A traditional lender is not going to be willing to look at bank owned, foreclosure, short sale or a run-down property and make a fair decision. But a private lender is only really interested in the current value of the property. Banks do not like to lend on riskier investments but a private lender is willing to assume a greater risk as long as the borrower is willing to pay a higher interest rate.

Another drawback to a traditional lender is that fact that they are counting on a full interest payment. This means that if you pay the loan off early, the lender is making less money in the form of interest. So to avoid that, the lender will charge an early repayment penalty. Basically, no matter when you pay off the loan, it still costs you the same amount. But a private lender is not going to charge you any early repayment fees in most cases. But it is critical that you read the entire loan document prior to signing it as the lender is free to impose any terms that he or she sees fit. It is your job to catch any issues with the terms before you sign the loan documents.

Costs of Repairs

When you are flipping a property, you understand that a large part of the cost involved is going to be for the materials and labor for repairs. A traditional lender is not interested in this issue and will not always work with you on a loan for repairs. But lenders who specialize in Arizona Fix and Flip Loans normally will set up a loan reserve which helps to cover some of the repair costs for the property in additional interest.

Pick The Right Lender

As you begin to learn more about the process of fixing and flipping houses, you will also learn more about the financial side of the business. But when you first start out, it is important that you select a lender who is familiar with the process and knowledgeable about the real estate market. This will ensure that you have a good resource and a solid partner to guide you through your first loan experiences.

Dennis DahlbeDennis Dahlber Broker Ri CEO Level 4 Funding LLCrg
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

The Cost of Loans to flip houses Arizona

Handsome young man looking confidentlyNo one is going to loan money without charging something for it. But understanding all of the costs for loans to flip houses is critical before selecting a lender.

Borrowing money is often the only way to be able to make a large purchase. And the ability to borrow money is something that most consumers are willing and happy to pay when it comes to buying a home. But when you are in the real estate, you need to understand that the loans to flip houses often cost more than a traditional house loan or mortgage. This is because the most popular loans to flip houses Arizona are Arizona Hard Money Loans which are offered by private lenders rather than banks or mortgage companies.

Arizona Hard Money Loans, or asset-based loans, are not funded based on the borrower’s creditworthiness. Instead, they are offered based on the current value of the property being purchased. The property is used as collateral for the loan and the lender wants to be certain that the loan balance is always less than the current market value of the property. To ensure this, the lenders only offer between 70% and 80% of the property value.

But the benefits to these loans are many. First, the loan application process is very simple and fast. Second, the approval process is also very fast. And finally, the private lender can be much more flexible on the terms of the loan as opposed to the rather inflexible terms of a bank loan. But all of these benefits do come at a cost. The most noticeable difference is the increased interest rate on a hard money loan. Hard money interest rates can range from 7% clear up to 25% or more if the project appears to represent a very high risk of failure.

Breaking Down Costs

In addition to the higher interest rates, some lenders will charge a flat fee for an appraisal of the property as well as another fee for processing the loan documentation. There can also be fees such as a funding fee, administrative fee or closing fee. Because the lender is a private person, he or she is free to charge the fees that they choose to and to call them whatever they want. For this reason, it is important to ask for a total cost of the loan in writing and itemized to understand all of the costs involved in loans to flip houses.

Making a Choice

Having all of the feels in writing will allow you to compare the total cost of each loan and decide which is the best option for you. In some cases, you will not choose the cheapest loan but instead the loan which offers the best overall terms to meet your needs. This can include a longer or shorter payment term, a variable payment or even the ability to extend the loan if you need more time to complete the project. But knowing the total loan cost is the critical first step in any house flip project.

Dennis DahlbeDennis Dahlber Broker Ri CEO Level 4 Funding LLCrg
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