Monthly Archives: February 2017

Small Business Must-Haves when Applying for a Business Loan

February 24, 2017Uncategorizedbusiness loan, business loansbigdaddydennis

You probably heard it all before, you absolutely need this piece of documentation and this info regard x and this report to explain y when applying for a business loan. But, if you are like most people, after a while you get lost in all the noise and simply aren’t sure what you truly need when applying for a loan.

As a small business, you are more than likely just getting your feet wet when it comes to applying for a business loan, which is perfectly okay. Everyone once had to start somewhere and additional financing for any business can be a godsend. With that being said, let’s make it a little easier to get your business loan by cutting through some of the red tape.

For starters, it is true that you will need important documentation such as your business and personal tax returns. You will also need your business and person bank statements, your business financial statements as well are your business legal documents i.e. articles of incorporation, your commercial lease, franchise agreement and so on. Your lender may not necessarily require all of these items but it is always in your best interest to have these items on-hand when trying to secure your business loan.

Nevertheless, at this point, you are probably looking for those must-haves that were mentioned earlier and rightly so. Obviously, some of these top must-haves will not be revolutionary i.e. it is not shocking that you need strong credit to secure additional financing for your business. But, other must-haves like an updated, detailed business plan that even covers your social media presence kind of is revolutionary; since only as of recent have lenders started to factor a company’s social media presence into their overall decision to approve financing.

Be Successful and Be Prepared

Other must-haves you should have handy when applying for your loan include a compelling personal resume, credible P&L statements and in-depth knowledge of the actual loan you are trying to secure. A compelling personal resume makes the list of must-haves because traditional lenders as well as most lenders in general want to know that they are investing in a qualified individual. Obviously, your ability to run your business successfully hinges on your skills, talent and know-how, so don’t be afraid to show it. Additionally, when it comes to your personal resume make sure you thoroughly proofread it and edit your resume to near perfection. In terms of having credible P&L statements, this means your P&L statements should speak to your reliability, ethicality, and professionalism. Lastly, you already know that knowledge is power so if you truly want that loan, take the time to research your many lending options and pick the right loan the first time.

The Benefits

Clearly, the benefits of being well-prepared and on top of all your lender’s must-haves means that you are more than likely to secure that loan of yours. So, don’t think you can just fill out an application and wing it. Today’s lenders aren’t afraid to turn a small business down so you shouldn’t give them a reason to.

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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

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Hard Money Loans – California Owner Occupied Properties

February 24, 2017Uncategorizedhard money loan california, hard money loans californiabigdaddydennis

Securing financing can be difficult, especially if you are in the market for owner occupied hard money loans. California lenders, much like other lenders, are not necessarily quick to offer owner- occupied financing but that does not mean you don’t have any options.

If you have been in the real estate investment business for some time, you are probably well aware that it is not easy to secure owner-occupied hard money loans. California lenders who offer hard money financing often shy away from the additional regulations or red tape that is placed on owner- occupied properties. However, the good news is not all California lenders fear the challenge.

The reality is that some lenders have the impression that due to the additional regulations it is almost illegal to offer these particular types of hard money loans. California being almost the mecca of lenders it seems that there would be more clarity on the subject here. But, the truth is that many lenders are still in the dark about owner occupied property regulations and hard money. So, at this point, you are probably wondering what the deal is? Can you secure hard money financing for owner-occupied properties or not?

Well, unsurprisingly, the answer is a little complex. Nevertheless, it is important to highlight the fact that owner occupied properties secured via hard money is perfectly legal. The difficulty here lies in the overwhelming misconceptions about owner-occupied lending laws. Moreover, for most lenders, it boils downs to the limitations placed on them in terms of fees and so on. Thus, lenders shy away. But, what does that mean for you? It means that you need to do your due diligence and find a lender that understand your vision, the lending laws and is willing to do the work with the regulations. This may seem like a tall order, but no one ever said getting what you want would be easy.

Additional Regulations
In addition to having a limit to the fee amount that can be charged, owner occupied loans also come with a few more requirements. For instance, a borrow income has to be verified via a third party source. Moreover, if the loan falls under the high-cost loan category then hazard insurance along with property taxes needs to be collected via an impound account for the first year. Along those same lines, a high-cost loan can also mean prepayment penalties are an issue for the lender. In fact, lenders must offer loan option that does not have prepayment penalties in this event. There are also similar disclosure regulations and requirements that one would typically see with bank or traditional lending institution loans.

The real deal
Ultimately, these are the main regulations that cause many lenders to not offer owner-occupied hard money financing. But, as you can see, these regulations and requirements are not necessarily the end of the world. Therefore, if you are in the market for this particular kind of financing, do not be deterred by lenders who are unwilling to abide by these requirements.

Happy senior business man making his notes at work Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC Private Hard Money Lender
Arizona Tel: (623) 582-4444
Texas Tel:     (512) 516-1177
Dennis@level4funding.com 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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

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Hard Money Lenders—Dallas Real Estate

February 24, 2017Uncategorizedhard money lender dallas, hard money lenders dallasbigdaddydennis

By now, you have probably heard a lot about the west coast hard money lenders. Dallas, however, also has some reputable lenders that can help turn your real estate ventures into a truly successful investment.

The wonderful world of real estate investing can be exciting and extremely lucrative, especially with the right hard money lenders. Dallas lenders, in particular, offer a real chance at making a real profit while still being able to meet the terms of your loan. For instance, most hard money financing is used to fix and flip houses or rather it is the bulk of business for hard money lenders. Dallas lenders, especially come across borrowers as well as investors that fix and flip houses.

Why this matters is because this often is the most effective way to make a real profit when it comes to real estate investing, especially if you are starting out. Thus, let us say you are looking to get into the business of fixing and flipping, you, of course, would need short term financing to get started. This is where your lenders of hard money would come into play.

As briefly suggested, Dallas is home to a sizable number of this particular type of lender. A quick search will often lead you to a list of the top 75 lenders who offer hard money financing in Texas. Clearly, it almost goes without saying that you should select a few local lenders. Thus, if you are looking to fix and flip in the Dallas area, you should start there or if you have a local lender where you do business you can also start there. Once you have selected a few lenders for your hard money financing, your next step is to try and find the lender that allows you to get ahead and maintain.

How to Make Money
Obviously, the main goal with any real estate investment is to make money. But, the trick with fixing and flipping a house is to figure out how to make money and pay off your loan at the same time. This delicate balancing act has more to do with the lender you choose to work with than any other factor. Therefore, you want to make sure that you are working with a local lender that allows you plan accordingly and has been open with you about your loan type as well as loan terms. The best way to ensure that you find this kind of lender for your hard money financing is to do your research or due diligence. In doing so, you will have created the necessary foundation for staying successful.

Staying Successful
In the end, making a profit and meeting terms of your loan can be a reality if you stay focused/plan ahead i.e. make it a point to stay informed as well as organized. Ultimately, if you are in the business of fixing and flipping houses, you know that time is of the essence but that does not mean you rush into things without knowing what you have signed up for.

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Hard Money Loans –California Homes and First-Time Buyers

February 24, 2017Uncategorizedhard money loan california, hard money loans californiabigdaddydennis

If you are like many first time buyers, you are probably looking for that dream home with not so great credit, which can definitely be a stumbling block. Of course, if you are a savvy first-time buyer you may be wondering about the world of hard money loans, California especially.

When setting out to buy a new home or rather your first you may feel lost when it comes to the lending process, specifically when researching hard money loans. California lenders of hard money often work with a standard borrower base, which can also be misleading. For instance, if you choose to fix and flip a house, start a business, have a construction project or are looking own a multi-family property then hard money is often the solution.

But, you are a first-time home buyer looking for a place to live and settle down in, thus, you may be thinking that you can’t benefit from hard money loans. California lender, however, will tell you otherwise. The truth is you can, as a first-time home buyer, benefit from hard money financing. You do, however, need to know how hard money works in your particular situation.

For instance, hard money financing is great for short time financing and you can typically expect about somewhere around 65% of the value of the home you are trying to purchase. So what does that mean for you? Well, if you have turned to hard money financing because of not-so-stellar credit then hard money is an opportunity for you to improve your credit and still get your dream home. Think about it this way, hard money financing generally needs to be paid back within six months to a year, therefore, you have six months to a year to raise your credit score and find long-term financing.

Your Win-Win Solution
Sure, you may be wondering how hard money financing under these limitations is truly a win-win solution. Well, the reality is hard money financing is most borrowers last resort for a variety of pertinent reasons—some good and some bad. Thus, if you absolutely need that home right now and have a solid plan of how to improve your credit score while finding long-term financing then what is stopping you. Remember, real estate professionals use hard money financing as a stepping stone all the time so you can too.

Small Piece of Advice
Nevertheless, before you go looking for lenders that offer hard money financing, it is important to remember that nothing comes easy or in this case cheap. Your hard money financing is short-term financing for a reason—there are fees, interest rates and more that making finding long-term financing an absolute must. In other words, you may have literally got your foot in the door, but you need to make sure that you move quickly in order to keep your cost down. Lastly, you will need to have that remaining 35% for purchasing your home. Therefore, you need to think long and hard about how quickly you need to move on purchasing that dream home.

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Hard Money Lenders—California Underwriting Guidelines

February 24, 2017Uncategorizedhard money lender california, hard money lenders Californiabigdaddydennis

You may be asking yourself what are the benefits to working with hard money lenders? California underwriting guidelines, in short, is one of the main benefits to working with lenders who offer hard money financing.

The underwriting process for any lender is a vital part of securing financing, which even more so true for hard money lenders. California lenders of hard money, in fact, have been so focused on what borrowers have to offer that for a quite some time the underwriting portion of the program was either overlooked or at best sub par.

The reason that the underwriting process has been essentially overlooked in most cases is because the potential value of collateral often overshadowed a borrower’s ability to meet repayment terms. Of course, this is not necessarily the borrower’s fault nor is it exclusively the lender’s lack of foresight rather it is the reality of the real estate market. Hard money financing is often thought of as a borrower’s, investor’s or builder’s saving grace for hard to finance projects and ventures.

Therefore, when both borrower and lender see the light at the end of the tunnel, some important details tend to be overlooked. So, at this point, you may be wondering, what exactly does this all mean when it comes to hard money lenders? California lenders, much like other lenders, have underwriting guidelines that need to be met regardless of the underlying situation. Thus, lenders of hard money also need to meet these regulations or guidelines. The good news is that there is a viable solution to this problem that ensures that everyone’s best interests are kept in mind.

How to Meet Underwriting Guidelines
The clear and obvious solution to this issue that lenders of hard money financing appear to have is simply put—outsourcing. Much like any other business or industry, outsourcing vital components of a larger process can ensure quality and so much more. In this particular instance, outsourcing can be used for a variety of underwriting components. For example, a lender of hard money can choose to outsource the loan package creation, document retrieval, document review, ordering appraisals, appraisal review, closing coordination, final document creation and so on. With that being said, it is still important to highlight the fact that there are some guidelines that simply should not be outsourced such the building of a lender –borrower relationships. For instance, both you as the borrower and your lender need to have a clear sense of one another; this means understanding each other’s character, business or credit history, etc. It is also important for the lender to have a firsthand understanding of your stake in the deal.

Going Beyond Regulations
Lastly, your lender should also make it a point to personally ensure that your collateral is adequate and easy to sell, all the while making sure that you have the ability to meet your repayment terms. If by chance, you feel as though your lender is more focused on your collateral, you may want to take a step back and ask if this is the right lender for you. Ultimately, you want a lender that can help you securing hard money financing and provide you will achievable loan terms as well as a seamless underwriting process.

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Hard Money Loans—California Advantages and Disadvantages

February 24, 2017Uncategorizedhard money loan california, hard money loans californiabigdaddydennis

Doing your research on obtaining financing is a slow moving process, especially when researching hard money loans. California based lenders, however, are not afraid of you doing your due diligence thus they have clearly laid out the pros and cons of securing hard money financing.

If you are not new to the world of hard money financing, you more than likely feel like you are well versed in hard money loans. California lenders of hard money, however, are not your everyday lenders. In other words, each lender who offers hard money financing offers something a little bit different than the next lender. Consequently, you may not know everything there is to know about hard money loans. California base lenders, moreover, tend to focus on certain niches; therefore, you may only have knowledge of one particular niche.

With that being said, you may want to become clear on at least the top three pros and cons of using hard money. It is important to know the top three advantages and disadvantages of hard money because, as briefly suggested, your niche may be different then the next borrower’s or your lender may have slightly different requirements or conditions than your previous lender. The point here is that you will always have to do your research when approaching your next business venture or attempting to secure financing.

Therefore, you need to understand or rather be well-versed on the basics of what hard money financing can do and what it cannot do. Of course, the best way to go about being well-versed in hard money is to be clear on why borrowers, investors, and builders find a real benefit in using this particular kind of financing as well as why others are wary of using hard money for their venture.

Understanding those Universal Benefits
The top three advantages then include the ability to fund your project or commercial venture quickly with little to no waiting period for approval. If you are lucky enough to have all your ducks in a row, approval can happen same day once your lender looks at the basic of the potential property, available equity or down payment, your experience in the real estate market, your end game or exit strategy and of course what cash reserve you have available. Besides these basics, top reason number two is the fact that there aren’t really too many other requirements or at least there are not as many requirements as you would typically see with standard financing. Lastly, the third reason is the ability to fund that “unfundable project”.

Risk less by Staying Informed
More than likely you are aware of the top three disadvantages, but nevertheless, they include higher interest rate, short term use, as well as equity or a sizable down payment. The reality is that if you know exactly what you will use your hard money financing for and how long you will need it for, it is very feasible to risk less with hard money financing. Thus, no matter your niche and no matter your lender, you can stay on top of things and turn a profit if you do your research beforehand and stay informed during the entire process.

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California Hard Money Lenders and Spec Construction Loans

February 24, 2017UncategorizedCalifornia Hard Money lender, california hard money lendersbigdaddydennis

California hard money lenders seem to be able to help borrowers and investors do the impossible, but what about for builders? If you have been in the business for a while, you know that most lenders do not rush to approve spec construction loans, but can the same be said for California hard money lenders?

The good news is that California hard money lenders are known for providing a helping hand when borrowers need it the most. Of course, this is not to say that every lender in California who offers hard money financing is willing to take a chance on Spec construction. If you do not know what Spec Construction is, it is basically construction that has no guarantee of making a profit once sold. More specifically, Spec loans do not have the requirement of having the debt ratios calculated.

Generally, most construction does not provide a clear indication of a profit, but with Spec construction, the end result is very much unclear. With that being said, you can see how any kind of lender or traditional lending institution would have some reservations about approving such a loan. What’s more, banks typically decline these particular loans without a second. But, as briefly suggested, lenders who work exclusively with hard money financing tend to have a different approach to Spec construction loans.

For instance, you can find hard money Spec construction loans surprisingly easy with competitive terms. The reasons that hard money lenders are willing to go out on a limb where other lenders won’t is because these particular lenders understand the nature of the construction business. In other words, sometimes you secure a Spec construction loan with no real profit margin insight and to your delight, you make more than enough profit. Other times, a builder or investor may barely break even. But, with incremental funding options, that builder or investor will more than likely be able to meet their terms and move on to the next venture that will hopefully allow them to recoup and profit.

Benefits of Hard Money Spec Construction Loans
Besides being able to secure financing for such an endeavor, the real benefit of hard money spec construction loans is that your lender is willing to work with you when it comes to your loan terms. For example, many lenders that offer this particular kind of financing offer no prepayment penalties, no seasoning of funds for closing, 24-month terms and much more. It is also important to note these lenders only care about the loan being paid off, not how you accomplish it. Thus, you have even more flexible than you would normally see with non-traditional lending institution or banks.

Things to Consider
Ultimately, you can see how hard money lenders can be a true lifeline in a variety of ways. Nevertheless, it helps to keep things in perspective i.e. a strong project means better funding, even bank funding if you play your cards right. Therefore, you should really take a look at your future Spec construction project and make an educated guess as to the outcome.

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Start-Ups and Business Purpose Loans

February 23, 2017Uncategorizedbusiness purpose loan, business purpose loansbigdaddydennis

Welcome to the world of small businesses and start-ups. If you are exploring your financing options for your newly formed company, make sure you explore all your options including business purpose loans.

There is never a more exciting time than when you get your business dream up and running. In many ways, you feel accomplished and you are more than ready to take on everything that comes next including securing funding or financing. If you are like most newly formed companies, you are probably chomping at the bit to get to the next level or step. But, before you end up with just any loan, you should take a second to explore all your lending options, especially since this loan can ultimately make or break your company.

If you have been doing some research up to this point, you are probably aware that as a start-up you have several options such as funding your start-up by using your retirement account, looking at peer-to-peer lending, relying on credit cards to see your business through the initial stages or applying for business purpose loans. Clearly, all of these options can help you achieve your business goals. But, it can be difficult to determine which option is truly the best one for your company.

More than likely, you have some experience with borrowing against your retirement account or relying on credit cards to do some of the financial heavy lifting. But, peer-to-peer lending, on the other hand, may be a new concept and that’s fine. Most peer-to-peer options require stellar credit, short-term needs and typically only work with more established businesses rather than start-ups. So needless to say, if you are just starting out and don’t want to max out your credit cards or potentially ruin your retirement fund then you might want to focus on business purpose loans.

Business Purpose—the Real Deal

If you aren’t quite sure what these particular kinds of loans are then you came to the right place. Loans that are designated for business purposes, in essence, involve utilizing your home’s equity. In other words, these specific loans allow you to borrow against your home for business purposes i.e. getting your start-up off the ground. The benefit to choosing this particular option is that often you can negotiate a low-interest rate which is much lower than the rates you would have if you used your credit cards or were able to qualify for short-term financing. However, it is still important to note that the one clear disadvantage is the risk of losing your home, at least in certain states.

Is this your win-win solution?

So now that you know a little more about your lending options as a start-up, obviously, it is time to start weighing the pros and cons of each option. Ultimately, you may decide to rely on your own funding (retirement account or credit cards) until you are a more established business if you want to play it semi-safe. But, remember no option is without risk and obviously securing a loan would provide you access to a larger amount financing.

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Hard Money Lenders—California Draw Request Basics

February 23, 2017Uncategorizedhard money lender california, hard money lenders Californiabigdaddydennis

If this is your first time around working with hard money financing, you may not be too clear on what is allowed by hard money lenders. California lenders, for instance, do allow you to be paid for repairs if you complete the necessary paperwork.

When using hard money financing, you may have a few questions here and there, which is perfectly normal. One question, in particular, that most borrower or builders have is, can they be paid for repairs? Well, the short answer is yes. Generally, most lenders will allow this if you fill out what is known as a draw request.

A draw request, in essence, is a form that details the completed repair work. It is your job to ensure it is properly filled out and that any necessary copies are given to sub-contractors as well as submit the original form to your hard money lenders. California lenders will allow for payment or rather disbursement of funds after the work is properly inspected. It is important to note that payment is typically never in advance, as most lenders want to ensure the quality of the repair work first.

So now that you know that you can submit a draw request to hard money lenders, California especially, let us go over the draw request basics. For starters, some lenders will make this caveat a part of the loan itself. In other words, a select few lenders will allow for a 10% upfront disbursement during the loan closing. This small percentage is so that you can get started on the necessary repairs with proper funding. However, after this initial payment or disbursement, the rest of the repair work payments are traditionally paid to the contractors upon completion of the work.

Draw Request Expectations
If your lender does allow for the initial 10% when the loan closes, then moving forward it is important to know how to submit additional draw requests. For instance, it is highly recommended that you submit around four draw request each in 25% increments. Each draw request should include a detailed description of the work completed, the necessary amount needed, as well as any additional instructions for accessing the property for inspection. This will allow you to pay for completed work as it occurs and ensure that the entirely of the repair work that passes inspection is paid for. Moreover, you should submit all invoices and receipt for all work you or your contractors complete. It is important that these documents match or are in the neighborhood of the original bid. After all of this, you will have to complete a lien release and indicate where you want the funds to be disbursed. The draw request process from start to finish generally takes five to ten business days.

Final Advice
Ultimately, these draw requests will help you complete your rehab or construction project in a timely and seamless fashion. Thus, it is important to stay organized, keep all pertinent receipts, and plan ahead for the actual date of disbursement so that you do not experience any hiccups along the way.

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Becoming Financially Secure With The Help Of California Hard Money Lenders

February 23, 2017UncategorizedCalifornia Hard Money lender, california hard money lendersbigdaddydennis

The ultimate dream for everyone is to be able to live without the fear of running out of money. Everyone wants to be financially secure, and California Hard Money Lenders can help people do just that.

California Hard Money Lenders–When I got my first job out of college, the economy had just started to take a turn for the worse. For me, that ended up being a good thing because when I added money to my company’s 401K more could be done with it since prices were so low. My co-workers, however, were not so happy. Most of them had been with the company for years and had just seen half of their retirement fund disappear because the market had declined.

To the man, each one complained about not being more involved in the decision to do certain things with their money. The investment firm said they could have been; all they had to do was ask. But no one knew that was an option. They just knew they were going to be facing retirement in a few years and they didn’t know how they would be able to afford it.

A Lesson Learned

As the fresh-faced, youngster in the group I was not concerned about the crashing market since I didn’t have a 401K that could be gutted. I wouldn’t need it for another 35-45 years anyway. But what the experience told me was that I better make sure that I exercise as much control and power over my money as I can.

Where these guys went wrong was trusting someone else to do it all or them. This told me that I needed to be more proactive with my investments. I needed to keep an eye on my 401K and shift money before something crashes too far.

I also needed to make sure I’d have enough on my own—and to accomplish that I contacted a couple of California Hard Money Lenders.

I couldn’t use the money from my 401K, but they said I could use it as collateral along with the property I was buying to secure the loan. With that loan, I purchased a duplex that needed a lot of work. After getting a little help from friends and co-workers, I was able to fix the place up within the budget I had projected.

When it was done I put that sucker back on the market, sold it, and went back to the couple California Hard Money Lenders I had talked to before and said,” That was fun. What’s next?”

California Hard Money Lenders Are My Friends

Since the economy has improved, my 401K is doing fine, but my associates will never get back to what they had before the downturn—unless they don’t retire. I don’t want to be in that situation when my time comes. I want to be able to retire early and go on some ridiculous vacations in my golden years.

To make sure that can happen, I am going to keep working with the California Hard Money Lenders I know to find and invest in the right properties so that my nest egg can grow. I am not going to trust an investment firm that gets paid whether I make money or not. I’m going to trust myself (and my California Hard Money Lenders) to make sure I am financially secure when it is time to retire.

Happy senior business man making his notes at work Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC Private Hard Money Lender
Arizona Tel: (623) 582-4444
Texas Tel: (512) 516-1177
Dennis@level4funding.com 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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

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Monthly Archives: February 2017

Small Business Must-Haves when Applying for a Business Loan

Hard Money Loans – California Owner Occupied Properties

Hard Money Lenders—Dallas Real Estate

Hard Money Loans –California Homes and First-Time Buyers

Hard Money Lenders—California Underwriting Guidelines

Hard Money Loans—California Advantages and Disadvantages

California Hard Money Lenders and Spec Construction Loans

Start-Ups and Business Purpose Loans

Hard Money Lenders—California Draw Request Basics

Becoming Financially Secure With The Help Of California Hard Money Lenders