Category Archives: Arizona hard money loan

Things to Consider When Obtaining Hard Money Loans


 

Arizona-Home-Loan-Team-Matt-and-Judy-Callahan-150x150 Are you wondering what Arizona hard money loans are and where they fit into your investment strategy? Here are the basics of these types of loans and what they can do for you as an investor.

This type of loan is an asset-based loan.  The borrower wishes to secure a loan backed by real property.  Private investors and companies are typical issuers of these loans.  Unlike banks, Arizona hard money loans can carry higher interest rates.  These interest rates are higher than a convention real estate loan because of the higher risk and the duration of the loan which is shorter than conventional real estate loans.

People using Arizona hard money loans are usually looking for funding for projects lasting from a few months to a few years.  The criteria for lending and borrower costs are similar to bridge loans. In fact, many hard money lenders specialize in bridge loans. Bridge loans are used for properties that are in transition and may not be able to qualify for traditional financing.  An example of a bridge loan is when a home buyer finds a new home they’d like to buy before their old home, which is on the market, sells.

Many hard money lenders will lend 65% to 75% of the current property value. The amount of the loan is determined by the loan to value or LTV. It is figured by the ratio of the loan amount divided by the value of the property. Arizona hard money loans are mainly used for commercial property.  These types of loans first started in the 1950s and have been growing in popularity.

Although mostly unregulated by state and federal laws, some restrictions on interest rates by states, commonly known as usury laws, prohibit hard money loans. Two of these states are Tennessee and Arkansas.

Federal Guidelines

Since the 2009 mortgage crisis and the passing of the Dodd-Frank Act, these loan programs have greatly expanded.  This is in part due to the strict regulations that were put on banks and lenders after the passing of this act. Truth in Lending and Dodd-Frank set out Federal guidelines for lenders, mortgage originators, and mortgage brokers requiring them to evaluate the borrower’s ability to repay the loan.  The ability to repay the loan is on the borrower’s primary residences. If the lender does not conduct the proper due diligence, they are faced with high fines for non-compliance. Hard money lenders mostly lend on commercial loans or business purposes so that they can avoid non-compliance with TILA, HOEPA and Dodd-Frank guidelines.

Before any offer of financing, the lender will want to determine the LTV (loan to value).  The basis for the loan is the liquidation value of the collateral.

A BPO (Broker Price Opinion) or an independent appraisal by a licensed appraiser in the state that the property is located in, will value the property. Typical hard money loan interest rates range from 10% to 18%.  Despite these rates, investors often turn to them due to quick loan approvals, high flexibility, less documentation than conventional lenders, and offering the ability to put a bid on a property that may go quickly after hitting the market.


Dennis-Dahlberg-Mortgage-Broker_thum[1]_thumb_thumb_thumbDennis 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

What You Need to Know If You Are New to Investment Property Financing


2page_img3If you think that obtaining investment property financing will be as easy as getting your home mortgage, think again. Prepare for funding your first investment property with these tips.

The default rates for borrowers on investment property loans is higher than home mortgages. Because of this, lenders require higher down payments and rely on strict underwriting for Arizona Investment property financing.  This means that, if you’re purchasing an investment property, be prepared to put down at least 20 percent of the purchase price.  There are, however, exceptions and percentage rates are often based on the type of property. For instance, anywhere from 25 to 40 percent may be required for multi-unit properties.

The advantage of a commercial loan is that the borrower is not required to carry mortgage insurance.  Conventional loan programs allow 80% LTV and, for investment properties, this is a best-case scenario.  You will also want to explore crowdfunding websites for real estate. While these tend to be more expensive, they are often more flexible than conventional loans. Before entering into an investment property, you should have at least three months payments as reserves.

Both interest rates and upfront lender fees are higher than conventional mortgage lenders.  Lenders advertise that their rates will be 0.25% to 0.5% higher than their homeowner loans. You should expect 1 to 3% points higher than owner occupied loan rates. If the lender charges 4% interest for their homeowner loans, you can guestimate an interest rate of 5%-7% for investor loans.

In addition to the interest rates, you will be charged up front points for a mortgage loan.  One-point equals one percent of the total amount of the loan. You can see how these fees add up quickly. Make sure you have reviewed your credit report and credit score. If your credit score is below 740, you will have higher interest rates, higher lender fees, and lower LTVs for your investment property.  If you have a mid-level score, then a conventional loan may not be an option. However, the collectable (property) is reviewed more than you as a borrower. As we mentioned earlier, homeowners are far less likely to default than investors. Lenders have built in loan programs with lower LTVs as caution to default.

The Effects of Multiple Mortgages on Investment Property Financing

If you are carrying multiple mortgages on your credit report, your options are dwindling.  Once you hit the threshold of four mortgages on your credit report, you may be untouchable by conventional lenders.  Fannie May has established a program to help investors that allows 5 to 10 mortgages. Fannie May’s program requires 6 months payments in liquid reserves at the time of settlement.  The program requires 30% down for 2 to 4 units and 25% down for single family homes. You are persona non-grata if there are any foreclosures or bankruptcies or late mortgage payments.  You will need a credit score no less than 720+ if you have 6 or more mortgages.

If you have 10 or more properties, you have slim options.  A good starting place is community banks. Blanket loans issued by commercial lenders are secured against multiple properties.  Be sure to ask what happens if you want to sell a property in the package.

Hard money lenders are an option that many investors turn to.

Level 4 Funding solves Arizona investment property financing issues while offering the lowest possible rate term. Real estate investing has made millions of individuals millionaires. Don’t hesitate because you are unsure of your investment worthiness. Call us today for a no-obligation quote.


Dennis-Dahlberg-Mortgage-Broker_thum[1]_thumb_thumbDennis 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

Do You Wish You Could Retire Early? Arizona Real Estate Lines of Credit Can Help!


AiStock_000002302749_ExtraSmallrizona Real Estate Lines of Credit or investment property lines of credit can be the perfect financing option for you and your financial needs. Learn how these lines of credit can expand your horizons and change your life for better.

Are you stuck in a job that you hate? Have you missed holidays, family vacations, important events in your life, or another significant time just because you had to work? Don’t be chained to your job forever and start making money today through real estate investing. By building up Arizona real estate lines of credit, you will be well on your way to achieving that goal of an early retirement so that you can get back to doing the activities that you enjoy and spending more time with the people you love.

What is this type of credit? Well, when an investor is beginning to purchase different properties, they will begin to build up a portfolio of all of these items. In most cases, lenders will allow a single line of credit per the property that is invested in. So, building up this line of credit simply mean investing in multiple real estate ventures!

You CAN make real money investing in real estate. These Arizona lines of credit will give you the opportunity to do a variety of things in the real estate world from purchasing homes to flipping houses. You’ll have the freedom to purchase items wholesale or hold a property for a period of time.

Get started with commercial real estate loans or, if you suffer from a poor credit score, choose a different lending opportunity. That’s right – even if you have a low credit score, you still can make money investing in real estate. Whether it’s through a hard money lender or a different private lending opportunity, there are plenty of ways a person with a low credit score can obtain a loan even with absolutely no collateral held against them. Stop making excuses for yourself. The time to start investing in real estate is right now.

How Will You Enjoy an Early Retirement?

We spend most of our lives at our place of business rather than spending valuable time with the people that we love and cherish most. Don’t be part of this routine and demand something better for yourself. Through real estate investing, you can have the opportunity to achieve your financial goals and retire much earlier so that you can get back to living the best life possible.

Establish a strong financial future today so that you can have the freedom to do the activities you enjoy and reach the opportunity to retire as early as possible.

Are you making excuses for yourself? Hopefully this guide shows you that there are absolutely no excuses for not investing in real estate right now. Bad credit? No problem! No collateral? No problem! There are plenty of lending opportunities available so that you can start building up these lines of credit today and be well on your way to an early retirement.


Dennis-Dahlberg-Mortgage-Broker_thum[1]_thumbDennis 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 Make the Most Out of Arizona rental property loans

4page_img1If you have obtained a loan for a rental property, it is time to decide how you are going to make the most capital out of your investment. Drive the value of your investment up by strategically making the most out of your Arizona rental property loans.

If you are new to the world of investing in property or are considering investing in rental property, it does not have to be an overwhelming process! Getting a rental property loan or finding a loan for a second home definitely does not have to be an intimidating time. This helpful cheat sheet can guide you through the process and introduce you to some key ideas on how you can make the most out of your Arizona rental property loans and start making money for your business or company today.

First of all, if you are interested in investing in rental property, you are going to have to meet certain requirements in order to qualify for a loan at the bank.

  • Typically a 20% down payment on the property This is because is most cases insurance may not be available for rental properties.

  • 2 years or more of experiences with previous property management

Do these qualifications seem a bit intimidating! Don’t worry. For individuals that fail to meet these requirements, there are still other opportunities to find the right loan. These are other avenues to consider. This means that regardless of your experience or financial status you can start investing in real estate today with the help of:

  • A business partner. hard money lenders, private money lenders

Don’t let inexperience prevent you from investing in property. Even the most experienced investors had to start somewhere! Investing in rental property can grow your own personal assets or even grow the assets of your business or company. With the help of investing, you can grow you capital overtime and even potentially retire early!

How Do I Know if a Rental Property Loan is Right for Me?

The time is now to start investing in the real estate market. It does not have to be a challenging process! Finding the right lending opportunities or rental properties to pursue is as easy as picking up the phone or sending an email. Build your network of individuals within your community and you will promptly find lending opportunities near you.

With any business venture or lending opportunity, it is important to survey your options and make an educated decision on any loan you choose to pursue.

Regardless of your inexperience, you can start investing in real estate today. Achieve your dreams of retiring early and grow your assets by investing in rental properties. The right lending opportunity for you and your needs will be dependent on your level of experience and financial restrictions such as your credit score. Even with a lower credit score, you may still be eligible for a loan through a variety of different lending opportunities.


Dennis-Dahlberg-Mortgage-Broker_thum[1]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

Triple Your Property Value With Arizona Investment Property Financing


825082878Investing in the right loaning opportunities when it comes to property can dramatically grow the value of your property. Learn how to exponentially create your earnings by choosing the correct lending opportunities to grow your assets and secure a bright financial future for your business or company.

If you are trying to increase the value of your business or company and grow your assets, Arizona Investment Property Financing may be the perfect solution for you and your company. Investing in your business or company through the acquisition of loans can give your business the added capital or funds needed in  order to go after new business ventures. In fact, Arizona Investment Property Financing can even added to your property value substantially.

What could you do with an investment property loan? If you are attempting to invest in real estate, this could be an excellent step in the right direction. These helpful tips can be a good way to get started and begin to triple the value of your assets or properties.

1. Make a down payment that is as large as you can afford. Qualifying for the best interest rates is only possible when you are able to put a substantial down payment on your potential investment properties. If you don’t currently have the funds to make a large down payment, you may want to wait to invest or opt to acquire a second mortgage. Speaking to an experience broker may help you find the best choice for your particular financial situation and budget.

2. Big banks may not be the right way to go. Choosing local businesses or a local lending opportunity may be a better choice than choosing a larger bank. Typically, a smaller bank will have more financing options and more flexibility in their requirements for financing. This means that when investing it may be best to stick to local lenders rather than seeking the help of larger banks or lenders.

3. Think outside of the box. Don’t be afraid to get creative. You may opt to borrow from a person rather than an organization such as a bank. Private lenders can be a good way to find a particular lending agreement that suits your budgets and your needs. Similarly to local banks or smaller banks, a private lender may have more flexibility and able to work with you to accommodate a specific budget or financial limitations.

How Do I Know Which Properties to Invest In?

Arizona Investment Property Financing may seem like an intimidating process for beginner investors or new entrepreneurs.  However, with careful planning and strategy, investing in property can be a successful tool for growing your assets and developing your business or company.

Finding the best investment opportunities is a gradual process but with time can be the perfect tool for you to achieve your business dreams and goals.

Whether you are new to the real estate world or are a more experienced investor, hopefully this guide gave you some insight on the world of investing and finding the best opportunities for you and your needs.

Dennis Dahlberg Mortgage Broker_thumb_thumb_thumb_thumb_thumbDennis 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 Find Arizona investment property loans Even With Rotten Credit


Are you looking to invest in property but do not have high enough of a credit score to do so? Don’t let poor credit prevent you from following your dreams and learn how to find the perfect lending opportunities for your business or company.

A bad credit score or poor credit rating does not have to completely define you or your Arizona Business Loans. Investing in real estate is a real possibility even for individuals that are suffering for a low credit rating. Don’t sit around waiting for your score to rise before jumping on your business goals. Build you credit score up and achieve your financial goals by finding Arizona investment property loans that are available even for individuals with low credit ratings.

  • Arizona hard money loans – A hard money lender is a valid option for many individuals seeking a lending opportunity and that also have a poor credit rating. Since Arizona hard money lenders are private lenders, they do not work with banks. This means that you can develop a personal relationship with a lender rather than having your credit score speak for you.

  • Private Money Lenders – There are a variety of businesses eager to invest in the goals of smaller companies or businesses! Networking with business leaders in your area could help you find private money lending opportunities in your area. These opportunities could work with you without having to worry about your lower credit rating get in the way.

  • Business Partners – If you can’t acquire a loan on your own, finding a business partner may be a helpful solution. A business partner can help you find opportunities, such as Arizona investment property loans, and assist you with the funds or credit rating needed to go after your goals.

Remember that you CAN achieve your business dreams regardless of a lower credit rating! Don’t let a poor credit score get between you and your business goals. Go after you dreams by making smart business decisions and define a brighter future for yourself. Stamina and persistence is key to finding a successful lending opportunity even when you currently have a lower credit score.

Find Loan Opportunities Near You Even with a Poor Credit Rating

Even if you have a lower credit rating, you can still go after your business goals. There is no reason you cannot start pursuing your business dreams today even if you currently have a lower credit rating. There are plenty of lending opportunities available for individuals with a lower credit rating available. The trick is finding these opportunities and using them to achieve your goals!

A poor credit score should never mean giving up on your financial dreams or goals since there are a variety of different lending opportunities available for individuals of a variety of different financial levels.

Regardless of your financial situation, it is still possible to pursue your financial dreams and seek profitable investment opportunities. Have confidence and know that with the proper dedication you can find lending opportunities even with a lower credit score.

Dennis Dahlberg Mortgage Broker_thumb_thumb_thumb_thumbDennis 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

Try These 5 Tactics to Find the Best Arizona hard money lenders


Handsome business man Unlike receiving a loan through a traditional bank, obtaining your loan through Arizona hard money lenders allows you to develop personal relationships and network for further business opportunities. Learn how to find the perfect lenders for your needs and how to establish personal bonds that may help grow your financial future.

If you are looking to obtain a loan quickly so that you can get a jump on an upcoming business venture, hard money may be the perfect solution for you and your company. Now that you have deciding to pursue a hard money loan, it is crucial that you find the perfect private lender for the needs of you and your company. These five strategies can be used to find an ideal hard money lender to help you achieve your business goals:

  1. Consider the interest rates or points. A hard money lender is taking more of a risk than any bank would by granting you a loan opportunity. This means that Arizona hard money lenders often must charge a higher interest rate on their loan. Compare the rates of various lenders and secure a loan that has rates that accommodate the limitations of your budget.

  1. Determine the value of your loan. Due to increase interest rates, consider the actual value of the loan. Consider of the interest rate still makes the hard money loan a worthwhile business opportunity. This will most likely vary from lender to lender.

  1. Find a lender you feel comfortable with. Dealing with private lenders is much different than operating with a bank. Due to the unique nature of hard money loans, it is important to choose a lender you feel comfortable communicating with. Remember that this is a professional relationship.

  1. Check the past history of your lender. Choose a lender that is reputable and trustworthy throughout the community to avoid any challenges with your potential lender.

  1. Contact lenders near you or attend opportunities to network. Do everything you can to get the name of your business out there and always carry yourself with a professional rapport. You never know when a lending opportunity may arise and it is important to look for these opportunities even in unlikely places.

Secure Your Financial Future By Developing Strong Relationships With Private Investors

A hard money loan can open many doors for you and your business. When you are hoping to quickly obtain a loan, hard money is often an ideal solution. It is important to develop positive relationships with lenders so that you can potentially be led to more investment opportunities in the future.

Networking skills and getting the name of your business out to a variety of different investors will allow you to connect with more private lenders that may want to invest in your business or company.

Since you never know when a lending opportunity may arise, it is important to carry yourself with professionalism. Network and don’t be afraid to reach out to various members of the business community in your respective area to find the perfect lending opportunities near you.

Dennis Dahlberg Mortgage Broker_thumb_thumb_thumbDennis 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

Arizona hard money loans Can Give Your Business a Helping Hand


1page_img2-bigIf you are looking for a loan solution quickly and efficiently for your business, Arizona hard money loans may be the perfect option for you and your company. Have the freedom to achieve your business goals and grow your business with a unique loan opportunity.

What exactly are Arizona hard money loans and how can they help your business or company thrive? A hard money loan is also sometimes referred to as a private money loan. In simple terms, a hard money loan is a short-term loan solution that is obtained through real estate ventures. These types of loans are funded through private investors which makes them unique from other loans. With hard money, you don’t have to worry about the tedious process of applying for a loan through a bank environment. If you are trying to obtain money quickly for your business or do not have the best credit score, hard money can be the perfect solution for you and your business!

Since these types of loans are short-term, you can have the spare funds you need to quickly achieve your business goals and then pay off the loan quickly. Typically, Arizona hard money loans occur over a one year period, but in certain case can be extended to longer terms if necessary.

Arizona hard money loans can be used for a variety of different situations and to help business owners get out of a financial bind. Situations that would be perfect for this type of loans would be:

  • Flipping real estate properties

  • Land or property investing

  • For buyers that do not have a good credit score or credit history

  • Real estate investors looking to avoid the long application process of a commercial loan

  • Loans for construction projects

These types of investments can grow your business or company by giving you greater financial opportunities and allowing you to act quickly on your projects. When you can’t wait for a commercial loan or struggle with a poor credit report, hard money is the perfect solution for you and your company.

What Types of Businesses Typically Use Hard Money?

There are a variety of different companies and business that can benefit through the acquisition of hard money. When you are hoping to secure funds quickly and obtain a loan in a more convenient way, hard money is a great option. Rather than go through the bank route, hard money gives businesses the opportunity to build personal relationships with private lenders. These types of loan can even allow for networking opportunities that open doors to more business ventures or projects.

If you are low on funds or need an added boost to jump on an investment opportunity, hard money can give you and your business the key to your success.

Banks and Arizona hard money lenders are not always the perfect solution for a business. It is important to always consider lending opportunities diligently and carefully. However, if your business or company is quickly looking to obtain funds, hard money can be the best choice to quickly receive funds.

Dennis Dahlberg Mortgage Broker_thumb_thumbDennis 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 Make Money with Arizona Commercial Loans


page2-img2Arizona Commercial Loans is a name for a variety of different types of Arizona Business Loans that can be used to grow or expand a business or company. While a loan does typically require an initial investment, acquiring a loan can still be a great opportunity to increase capital and add to your overall earnings.

Commercial financing is a great way to grow your business and potentially increase your earnings. When used the right way, Arizona Commercial Loans can be a great way to make money and develop your business or company. Learning the right way on how to use these loans can be the best way to develop your business and earn a higher profit margin.

You can acquire commercial financing to pay for large investments that can dramatically expand your company or business. Most loan opportunities that are for commercial purposes are for a larger sum that can be paid off gradually over time. This means that a business owner can use these loans to cover large expenses. Since these loans are larger in size, they typically have long-term payment plans. This means that you can grow your business at your own pace and pay off your loan at a schedule that suits the purpose of your business or company.

  • Have the flexibility to reach your dreams and meet your goals. One of the greatest benefits of commercial financing is the financial freedom that can be gained. Invest your lent funds in opportunities to further develop your company. This could be done through spending in marketing or new innovative products. Expand your staff or even grow to a new location.

  • Pay off your loan at your own pace and find a schedule that fits your budget or financial goals. With affordable rates and flexible payment plans, a commercial loan can be paid off at your own schedule and at your own pace. This gives you the time to focus on your business and slowly pay of your loan.

  • Create sustainability and growth within your business or company. Paying off a loan over time can build your credit score and lead to further financial freedom or opportunities. By making strategic decisions and slowly reaping the benefits of your investment, a loan can allow your business to develop exponentially.

What Can Commercial Financing Do for You and Your Company?

If you are hoping to grow your business or company, investing in Arizona Commercial Loans is the perfect opportunity to do so. This type of loan can allow you to expand your company at a pace that your budget can easily accommodate.

Commercial financing is a huge investment in both time and money but can ultimately be an excellent tool for the expansion and growth of your business or company.

Imagine how your business could expand or grow with new, exciting products or more members on your team of staff! A commercial financing opportunity could allow you the freedom to achieve this dream and much more. Consider a loan opportunity as a gateway to better your business.

Dennis Dahlberg Mortgage Broker_thumbDennis 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

7 Reasons Why Arizona Commercial Loans Can Grow Your Business



4page_img3-bigExpanding your business with a commercial loan can open many doorways for you and your company. These seven reasons will guide you through how Arizona Commercial Loans can help your business to thrive.

If you are hoping to expand your business, it may be time to consider a commercial loan. These seven reasons are a starting guide to how a business loan can help you achieve your dreams that you have with your company and expand your business to new heights.




  1. Arizona Commercial Loans are one of the more popular choices among business owners. Due to their lower interest rates, a commercial loan opportunity can lead to huge savings for most businesses. This is why so many businesses are choosing to get a commercial loan for all of their business needs.

  1. A commercial loan allows you to maintain ownership of your business. One of the more beneficial aspects of a commercial loan is that it allows you hold full ownership of your business. You will never be forced to sell out interest or come up with additional funds to gain full ownership. Selling interest can risk your company and all that you have built.

  1. Increase cash flow to your business or company. Your loan can be payed off with a financial plan that suits your budget and your schedule. Determine a repayment plan that lets you determine how you spend your loan. A loan typically has very few up-front costs which can make it a great solution for the expansion of your business.

  1. A commercial loan can cover larger sums. This can give you the time to build up your business at a pace that you can reasonably manage and afford.

  1. Receive a commercial loan without having to give any collateral. This can be a great solution for a business or company that wants a loan with a lower risk.

  1. A commercial loan is a long-term plan. Loans are designed to be longer termed solutions. This means that you are able to gradually increase the profit of your business and pay your loan off slowly over time.

  1. Build the credit of your business. Paying off your loan over time can increase the credit rating of your business. This can lead to more opportunities for you and your company.

Can Arizona Commercial Loans Really Grow My Business?

Borrowing funds through a modest loan can lead to exponential growth of your business over time. A business loan can be a useful business strategy when used correctly and planned strategically.

Even if you do not need a loan today, it is important to plan for tomorrow. You’ll never know when you business may urgently need a loan.

If you are interesting in building a stronger credit rating or growing your business steadily, a commercial loan may be the perfect solution for you and your company. It is important to start considering a business loan today so you can begin to plan for the future growth and expansion of your business or company.

Happy senior business man making his notes at workDennis 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