Monthly Archives: April 2019

4 Reasons Investors Like Arizona Hard Money Loans

While not all investors understand hard money loans, those who do know that when used correctly there is a great potential for return on investment. Below are four of the biggest benefits of these loans.

Not every loan is right for every type of property, and in some cases, a property can be in a condition that makes it difficult to secure any loan at all. But smart real estate investors know that Texas Hard Money Loans can be a great resource because of all the great benefits that they offer over a traditional bank loan. These asset-based loans open up a lot of doors for credit challenged investors as well as investors who have a great many projects running in succession.

By far, one of the biggest benefits of Arizona Hard Money Loans is the fact that the entire process is far less stressful and much faster than a traditional bank loan application. The bank will require a myriad of documents to prove your financial status, but Arizona Hard Money Lenders are only interested in a few tax returns to make sure that you can keep up on the loan payments. And once the bank has all of your documentation, they pour over it for weeks before making a decision. A hard money lender is likely to review your documents and the property information and respond within a day or two.

An additional benefit of Arizona Hard Money Loans is that the terms are all negotiable. This included the interest rate, the length of the loan and even the loan amount. Banks have set terms for all of this and are never willing to negotiate. But working with a private lender means that you can get the customized loan that you need, not the loan that some banker wants to give you.

Long Term Working Relationship

As a real estate investor, you are going to need loans for each project that you undertake. The benefit of working with a hard money lender is that you can cultivate and grow the relationship to benefit you both. A bank could have a dozen loan officers but you will not see a new face with each loan when using a long time hard money lender. And as your history and relationship grow, so will the benefits and the comfort level of requesting a loan. That is a huge stress reduction for any business person.

Great For New Investors

As a new real estate investor, you will find it very difficult to meet the loan criteria of a traditional bank. They will require a stellar credit score, a minimal debt to income ratio and years’ worth of tax and banking statements to even consider lending you the money you need. But a hard money lender will just ask for tax docs and the particulars on the property that you are looking to buy. If you have made a wise selection and the deal looks profitable, then the hard money lender is going to be willing to take a chance on you. So, it is clear to see why many investors favor using hard money for their projects.



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


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Get in on a Hot Industry with Cannabis Loans

With more and more states legalizing marijuana for recreational and medicinal use, the cannabis industry is exploding. Learn how to get in on this burgeoning industry with Colorado Cannabis Business Loans.

Today, marijuana is legal for recreational use in nine states and is legal for medicinal use in 30 states, including Colorado. If you’re looking to get into the business, there are a few steps you can take first.

  1. Find out if your county or city is currently allowing applications for licenses. Because the government is trying to control the number of new cannabis dispensaries that pop up, some cities and counties limit the licenses they award.
  2. Make a corporate structure for your new marijuana business. Build a corporate structure that’s compliant with the state’s regulations.
  3. Have a solid business plan. Do your research and come up with a business plan that includes projections and pro forma financials.
  4. Apply for all the necessary licenses. Keep in mind that the application fee can be in the thousands of dollars and that you may have to show proof that you have at least $150,000 in a financial institution.
  5. Contract cultivators and growers. Or, if you’re proficient, you can grow your own.

Getting Funding for a Cannabis Business

Starting a cannabis business isn’t cheap. There are a wide variety of upfront costs, including application fees, rent, and utilities for your storefront, and advertising to make people aware of your business. Plus, as we detailed above, your state may require you to have $150,000 in a bank just to apply.

So where do you get funding for a cannabis business? Some banks may be willing to help, but they’re usually pretty averse to risk, and a cannabis business is riskier than most because it walks a line in terms of legality.

Another option is a hard money Colorado Cannabis Business Loan. Hard money is much easier to qualify for than a bank loan. There’s no begging, jumping through hoops, or having your entire history dug up. Interest rates can be higher and the terms can be shorter, but there are also fewer fees and you can get the money in a matter of a week or two.

Cannabis Loans in Colorado

Need a Cannabis Business Loan in Colorado? We have extensive experience in both the lending industry and the marijuana industry, so we are in a unique position to help prospective cannabis business owners succeed. Give us a call today and we can talk about the details!

Dennis Dahlber Broker Ri CEO Level 4 Funding LLCDennis 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 and 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
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What’s the Difference Between Hard Money and Conventional Construction Loans?

Just like the real estate business, the lending business has changed a lot over the last several years, but one thing is always constant: investors need funding for their construction projects. So which route should you go: conventional bank loans or Colorado Hard Money Construction Loans? Let’s look at which one is best for you.

Here’s what you need to consider when you’re looking at a traditional or a Colorado Hard Money Loan for a construction project:

  1. How fast do you need your money? When you’re building, sticking to the budget and schedule are two of the most important elements to success. With a bank or credit union loan, you might wait over 30 days to get your funds, and that’s not including the application ordeal (which we all know can be a nightmare). The application process for Colorado Hard Money Loans takes 1-2 days and the funds can be in your account in a week or two.
  2. What do you qualify for? Banks don’t want to take on much risk, especially after the new restrictions that were put in place after the recession. Plus, they have complicated underwriting processes, so they put institution requirements in place for borrowers to qualify. They want you to have a certain credit score, they want you to have a healthy cash flow, and they want you to have a nearly spotless history. Colorado Hard Money Construction Loans come from private sources and are secured with collateral, so lenders aren’t as worried about your credit score and financial history.
  3. What loan structure do you want? With banks, loans are a one-size-fits-all affair. With hard money, lenders can tailor the loan to fit your needs, both in terms of collateral release and repayment terms.

Which Type of Loan is Right for You?

The answer depends on a range of factors. If you’ve been told no by the banks, a Colorado Hard Money Loan might just be the way to get your project the funds it needs to get off the ground. If you have the time to wait and don’t mind the less flexible loan terms, the bank may be a better option. Ultimately, the right loan will depend on your priorities. Weigh the pros and cons carefully.

Hard Money Construction Loans in Colorado

If you feel like a Colorado Hard Money Construction Loan is the right move for you (or if you want to find out more), give us a call today! We offer loan values up to 90 percent LTV, 24 months interest only and rates from 9.5 percent.

Dennis Dahlber Broker Ri CEO Level 4 Funding LLCDennis 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 and 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
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5 Reasons To Use Arizona Commercial Hard Money Lenders

Arizona Commercial Hard Money Lenders are not the solution for every borrower. But there are several situations when hard money is a great option.

Traditional loans are generally more cost-effective than hard money, but there are many reasons that borrowers are often eager to work with Arizona Commercial Hard Money Lenders. As you might expect, you get what you pay for in hard money just as you do in most cases. And getting a more customizable loan is often worth paying a little extra for. In addition, borrowers know that their personal credit history will not be an issue as Arizona Hard Money Loans are based on the value of the collateral.

Getting a commercial loan quickly is not going to happen if you are working with a bank or mortgage company. But Arizona Hard Money Loans can process much more quickly because the approval is based on the value of the commercial asset and not the creditworthiness of the borrower. So in many cases, a borrower will gladly pay the higher rates for the faster funding offered by. Arizona Commercial Hard Money Lender

Another reason borrower turn to Arizona Hard Money Lenders is that they have been declined by a traditional lender. This could be due to lack of documentation, the age of the business or even the debt load of the business. You could also have personal credit issues which reflect poorly on your business and have caused a bank to shy away from working with you. In these cases, borrowers have the option to use the commercial property as collateral and are happy to work with a hard money lender.

You Need A Unique Solution

Most traditional lenders are not very creative and will only fund a very specific type of loan. But if you are looking to use multiple properties as collateral or if you need a more creative loan solution, then Arizona Commercial Hard Money Lenders are the way to go. Not only can you be more creative with the collateral for the loan but you can also request specific loan terms such as the repayment schedule or even the term of the loan. Arizona Hard Money Lenders are very familiar with creative loan terms and are willing to work with borrowers when traditional banks are not.

Lack Of Citizenship

There are many businesses in the United States that are owned by foreign nationals. And while this is a great opportunity for the business owner, it makes it very difficult for him or her to secure a loan from a bank or a mortgage company. But working with an experienced hard money lender, borrowers don’t need to worry about not being a U.S. citizen. Again, the lender is interested in the value of the property being used as collateral and not the credit history of the borrower. So, a foreign borrower has very little to do with the approval or denial of a hard money loan. Understanding these five reasons to use commercial hard money can be a great help to any commercial borrower who is struggling to secure a loan from a traditional bank or a mortgage company.



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


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How Arizona Rental Property Loans Helped Me Start my Career as a Successful Real Estate Investor

If you’re interested in real estate investing, specifically rental properties, you may want to read this. I’ll tell you exactly how I did it with Arizona Rental Property Loans.

I have always been interested in real estate investing. I went to school for business, and came out with a management degree. From there, I went on to get my real estate license.

I joined a great realty office, and was pretty successful with listings and closings. After a while though, I wanted more out of the work I was doing. I wanted to make more without having to work so hard. That’s what gave me the idea to manage rental properties.

Since most of my money was tied up in stocks, bonds and other financial securities, I didn’t have the cash to put down on a rental property. I didn’t quite know what I would do about that until I heard about Arizona Rental Property Loans.

There was an apartment complex that just went on the market, and I knew I had to act fast. I was talking to one of my colleagues who suggested that I look into them.

As I was researching Arizona Rental Property Loans, I knew it was right for me. I could get the money in just a couple of days, and all they needed was property with equity to secure it. Perfect. I had no worries about paying the loan back, so securing it with property wasn’t really a risk.

The Next Part Set Up my New Successful Career

Just two days after applying, I had the money I needed to buy the apartment complex. It only took me two months to get tenants into it. Two months from there, I was able to pay back the loan with the rents from the tenants and the profit from the house I closed on the month before. It was truly perfect timing.

Once I paid the loan back, all of the money that came in from the tenants was profit, and it just kept building up in my account. I decided that I should probably do it again, but this time with my own money, and sure enough, now I have doubled the profits I’m getting from my rental properties.

I wouldn’t have been able to become as successful as I am with rental properties if it wasn’t for those Arizona Rental Property Loans.

Isn’t It Time for You?

It’s time for you to take a leap of faith and start making money from rental properties? If you don’t have the cash, don’t let that stop you. Contact an Arizona Private Money Lender for Arizona Rental Property Loans. You can get the cash you need quickly and easily, which will get you started on your path to real estate investing at the perfect time to make a great return on your investment.

Dennis Dahlber Broker Ri CEO Level 4 Funding LLCDennis 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
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Make Money with Arizona Fix and Flip Loans

When you want to make a good return on your investment, get Arizona Fix and Flip Loans. They give you more money to make money with in the real estate market.

Flipping homes is a huge trend right now because it makes people big money. You can see how much money it makes people by just Googling it.

The problem is that many people do not have the cash to invest in the real estate market. They can’t buy the investment property – the home they need to fix to flip.

This is where Arizona Fix and Flip Loans come in to help.

How to Use Arizona Fix and Flip Loans to Make Big Money

You can use Arizona Fix and Flip Loans easily to make big money. These loans are specifically for buying a home that you will fix up and then sell for more than you paid for it.

The homes you purchase to fix will need a decent amount of work, but that is okay. It is well worth the effort and time you put into it when you can make tens of thousands of dollars more than what you paid.

The process is quite easy. All you have to do is find a property you would like to purchase. You can usually get help from a real estate agent. Once you find your fixer upper, contact an Arizona Hard Money Lender that offers Arizona Fix and Flip Loans.

Since Arizona Hard Money Lenders are private, you can get the money you need to purchase the house in just a couple of days. They will approve you within hours, and then deposit the money into your bank. Since you have the cash to purchase the house, it doesn’t take long to close.

Once you have the house in your name, you can start fixing it and making improvements that will help you sell it for more than you purchased it for. This should only take a couple of months to finish, and then you can put it back on the market.

When the house sells, you simply pay back the Arizona Fix and Flip Loan and pocket the rest of it as profit. You can then move on to buying another one to profit from that one and so on and so forth. Many people are able to make a lot of money by flipping homes, so don’t let this chance pass you by.

It all starts with contacting an Arizona Private Money Lender.

Contact us today for more information on how you can use an Arizona Private Money Lender for Arizona Fix and Flip Loans. Once you have the means to get the cash needed to purchase the house, you can move on to finding your fixer upper.

We look forward to helping you make a lot of money in real estate investing.

Dennis Dahlber Broker Ri CEO Level 4 Funding LLCDennis 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
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Can You Use Owner Occupied Arizona Hard Money Loans on Your Own Home?

When it comes to residential owner occupied Arizona Hard Money Loans, you’re expected to use the space as your primary dwelling. The catch-22 is that there are few lenders who will provide funds under these circumstances, so you may have to explore other options.

There are financial products for virtually every circumstance, which is a good thing because that means you can usually find some type of financing regardless of your situation. However, identifying which product is right isn’t always easy, and if you’re a home owner exploring your financing options, getting to the core of how owner occupied Arizona Hard Money Loans work is essential.

This type of financing is provided by private lenders; individuals and sometimes institutions rather than big banks or credit unions. In most cases, it’s packaged as a commercial or business solution. In other words, the property cannot be your primary residence. Lots of people who work in real estate investing, such as home flippers or landlords use it, but in this case, it’s a “non-owner occupied” solution.

When you, as the homeowner, plans to live in house more than half the time, you must seek out the “owner occupied” variety. Few lenders provide this option because government regulations change the way the financing is handled. Furthermore, the market already has many options for this. There are traditional mortgages and alternative financing options to suit this type of need, and they’re generally more cost-effective.

Why Do People Look to Private Lenders to Finance Their Personal Homes?

The reality is, banks are totally geared toward homeownership and there are even federal programs designed to get people into houses they can share with their families. For banks, there’s little risk involved in extending this kind of financing, especially when the borrower has good credit and reliable income. Yet, there’s obviously a gap here. Sometimes, people don’t qualify for a traditional mortgage. It’s situations like these where people start looking toward owner occupied Arizona Hard Money Loans, but opportunities to secure them are few and far between.

Other times, all a person’s money is tied up in equity in their current home. If you want to move, but don’t have the funds for your next down payment and moving expenses, it makes sense to tap into your equity before your current home is sold. Moreover, if you already have one home as a primary residence, you aren’t going to qualify for programs that require the new home to be your primary residence. That makes banks wary. They become concerned that you’ll default on your non-primary residence, and so your funding options evaporate. It’s situations like these that short-term financing from a private lender can be a huge help. That said, these solutions are technically not “owner occupied,” as you don’t actually plan to live in the residence. That’s actually a good thing because it means you’ve got more options in the private lending space than you otherwise might have.

Seek advice from a broker in the private lending space to find the right solution for your needs.

Whether you’re looking for owner occupied Arizona Hard Money Loans, a loan for a property that will not be your primary residence, or funding to help you bridge a gap between the sale of an old home and the purchase of a new one, there are options. The best way to uncover which financial product is right for your situation and needs is to chat with a seasoned broker who knows the space well and can help you find the best one.



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 Texas Private Money Lenders and Flippers Calculate ARV

Most Texas Private Money Lenders who finance fix-and-flips want to know what your after-repair value, or ARV, will be. It’s important to know how to calculate it and what the final number means to your financing and profit.

In the fix-and-flip business, you’ll hear a lot about LTV and ARV. LTV stands for loan-to-value. It’s the amount you’re requesting from your Texas Private Money Lenders in relation to the current value of the property. For example, if you’re purchasing a property worth $200,000 and requesting $100,000, your LTV is 50%, though it’s sometimes represented as 50 LTV.

ARV, or after-repair value, is more concerned with what the property will be worth after you’ve finished repairs and the home goes on the market. You’ll calculate this by adding the purchase price to the value of renovations. For example, if you pay $100,000 for a home and the repairs and upgrades you make will increase value by $50,000, your after-repair value is $150,000. This gets taken a step further in lending, particularly as it pertains to the total amount of your loan. Most will not provide loans that are higher than 70% of what the home will be worth. This is represented as 70 ARV or 70% ARV. If you’re new to flipping or the deal is riskier than others, expect to receive much less than 70% ARV.

It’s also worth noting that getting an accurate ARV usually requires bringing an appraiser on board. Those who attempt to go it alone are likely to find the process time-consuming and tedious and will probably produce an inaccurate ARV. Furthermore, many Texas Private Money Lenders don’t use ARV because it’s not a guarantee. Instead, LTV will be used.

Get Advice from an Appraiser When Calculating ARV

How much value does a Jacuzzi tub in the master bedroom add? What about a farmhouse sink in the kitchen, a built-in in the living room, or ceramic tile throughout? The reality is, most people cannot answer these questions off the top of their head and research may be inconclusive or steer you the wrong way. It takes many flips to gain a grasp of value, so you’ll want to work with an appraiser to help determine how much value your upgrades and repairs are adding. Your appraiser will also tell you what the property is truly worth before the repairs, which is the other big component of ARV. You can’t rely on Zillow or similar for this because the services know nothing about the condition of the property.

Your flips will be more successful if you use the 70% rule

Even when the Texas Private Money Lenders you work with don’t use ARV to calculate loan terms, the concept is still worth keeping in your toolkit, particularly as it pertains to the 70% rule. In short, this guideline involves subtracting your repair costs from the total expected sales price, and then capping your bid on the property at 70% of what’s left. For example, if your home will sell for $150,000 after putting $50,000 into it, you don’t want to spend more than $70,000 on the purchase of the property. (150,000- 50,000 = 100,000; 100,000 x 70% = 70,000) The formula is often considered the gold standard of flips because it ensures you have money to cover expenses and will make a solid profit, even if you run into minor issues on the flip, but it isn’t the end-all. You’ll want to consider any fees, permitting costs, appraisal costs, and so forth as well, as this paints a better picture of the value of your work and what you’ll really earn when your project concludes.



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 Use An Arizona Hard Money Loan?

One type of loan you need to be familiar with, as a buyer or a real estate investor, is an Arizona Hard Money Loan. These are short-term, higher interest loans that can be used when traditional financing either is unavailable or won’t work for your situation.

A typical Arizona Hard Money Loan will run you anywhere form 7.99% to 15% and anywhere from 3-7 points. Points are an upfront fee of the loan amount. Unlike traditional financing Arizona Hard Money Loans are short-term loans, which make them perfect for a fix and flip. These loans generally run from 6 months to 3 years, but depending on the lender can be stretched out to five years. Because of the higher interest rate and points an Arizona Hard Money Loan, per month, will be more expensive.

So, why would anyone use an Arizona Hard Money Loan? There are many reasons an Arizona Hard Money Loan will actually make you more money. Buying a distressed home that you plan on fixing up and selling is a prime example of a reason to use these loans. Banks do not typically lend on fix and flip properties; there are many reasons for this—first and foremost, if the investment property doesn’t work out, it is much easier to walk away from an investment than it is your primary residence. Bank loan terms are longer and they have lower interest rates—this is great if you are buying the home you will reside in, but why would you take a 30 year loan out on a home you are planning on selling within a year? Also, banks will not finance repairs. That means you will have to come out of pocket for any and all repairs. Banks also will not finance until all inspections have cleared—if something needs to be fixed, you either have to bargain with the seller to fix it or it comes out of your pocket. Banks require large down payments—20-25%. An Arizona Hard Money Lender finances on ARV (after repair value) or LTV (loan to value)—either way you are not looking at anything near what a bank requires.

Reasons for Getting an Arizona Hard Money Loan Over Traditional Loans

The fix and flip example is the most popular reason investors use Arizona Hard Money Loans. There are more:

1) You have bad credit: Unlike banks, who approve based on credit scores and income—an Arizona Hard Money Lender bases approval on hard assets—the property.

2) Fast approval: Arizona Hard Money Loans can be approved within a day and financing available generally around 10 days or less. This is important to people wanting high demand properties. A seller will choose to work with hard money versus a bank—banks typically take a minimum of 30 days to close and can easily take 90 days. This quick close helps the buyer negate a lower purchase price.

3) Arizona Bridge Loan— You are selling your home, but don’t want to wait on it to sell to buy your new home. A hard money Arizona Bridge Loan can cover that—these are interest only loans, meaning you won’t pay a large payment until your house sells—when you have the money. These loans make it possible to own two homes, but pay one mortgage.

4) Obtaining financing when a bank won’t provide additional loans: Most banks cap the amount of loans to a borrower at four. Arizona Hard Money Lenders do not have to adhere to federal regulations and so there are not these types of limitations.

Working with an Arizona Hard Money Lender is A Partnership.

Arizona Hard Money Lenders want their deals to go as smoothly as possible. These lenders have flexibility that banks do not and so it is easier to work through a problem and find a solution with your lender. A reliable and experienced Arizona Hard Money Lender will always be honest in their opinion concerning a project—they want it to succeed as much as the investor.

Dennis Dahlber Broker Ri CEO Level 4 Funding LLCDennis 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
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Experts Say Market is Stable: Invest with Arizona Hard Money Loans

Changes in the housing market this year have made some wary of an impending crash, but experts say the data concludes it’s stable. You can still use Arizona Hard Money Loans to invest in properties and earn some serious cash.

Some worries about the housing market have arisen because 2018 was filled with skyrocketing values and a housing shortage, but the numbers shifted at the end of the year a bit. However, experts say this is not a cause for concern—the market is stable and expected to continue to remain strong. According to a recent AZ Central news report, “96 out of 100 top national economists don’t expect a housing crash this year.” This is based on data pulled which does show changes in the market but indicates ongoing stability for the foreseeable future.

“The supply of homes for sale increased, and sales slowed during the last three months of 2018,” explained senior housing analyst Tina Tamboer in a meeting of more than 100 real estate agents just a few weeks ago. “But, nothing in the current data shows a market crash coming for Phoenix,” she said.

Her findings concur with what many already know: it’s a seller’s market. Prices aren’t necessarily climbing at the rates they were, but that’s actually a positive thing because the market can’t sustain continuous rapid climbs at that rate. The good news is, you can make money with Arizona Hard Money Loans regardless of whether it’s a buyer’s market or a seller’s market. If you haven’t worked in a seller’s market before, however, you’ll need to adapt your strategy to suit.

Learn How to Make Money with Flips in a “Seller’s Market”

People flocked to fix-and-flips when it was a buyer’s market; when homes could be picked up at a fraction of their value. This doesn’t happen quite as much in a seller’s market, so you have to be mindful how you apply your Arizona Hard Money Loans, simply because you can’t rely on value increases to line your pockets. You must find a good deal to start with and put in some sweat equity or choose the right repairs and upgrades to increase value. In addition to this, it may be beneficial to apply a unique strategy, such as working on multi-family dwellings or subdividing land in popular areas.

Be more successful with the right plan and funding.

Once you understand how the market shift changes how money is made, the next step is to identify the right source of financing for your project. Arizona Hard Money Loans work well in this climate because the initial sellers of the home likely have options. Having cash in hand works wonders to sway someone who’s eager to move or simply wants to be assured the sale won’t fall through because the buyer couldn’t get financing. It also lets the flipper move fast when a home is priced under value, so it can be grabbed before other flippers get to 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