Monthly Archives: January 2019

How to Bridge the Gap with Arizona Bridge Loans

Obtaining funding for your next home can be extremely stressful, especially if you are struggling to sell your current home or wishing to move into your next home first. Fortunately, “bridging the gap” is a great option if you are in either of these situations.

“Bridging the gap” is another way to refer to swing loans or, more commonly, Arizona Bridge Loans. The referral to any references the ability to borrow using the down payment on your current home, with the intention of using it to purchase the next. It is an option that allows people the freedom of contingencies in contracts that require that the current home be sold first. The transitional metaphor of moving from one home to the next as such is seen in the word “bridge.”

Benefits of Arizona Bridge Loan include a lack of major transition period between buying and selling your home, without having to utilize a temporary living space. Freedom is also found in the ability to search for homes with no limitations or pressure when the ideal home is found. These loans are also common solutions for small renovations or relocations. These benefits to the borrowers are contrasted by the benefits to the lenders which include high interest rates and short-term, low-risk repayment.

How to Know What’s the Best Decision for You

Qualifying for these loans means having a great credit score and low debt-to-income ratio. If you meet these requirements, you should also consider these other factors before diving right in. Eligibility is great, but eligibility for the loan doesn’t cover a few other things, which includes the fact that you will have to pay a mortgage for two properties. Not only that, but they are expected to be paid off in 6 to 12 months, which is typical of short-term loan repayments. And, while loan interest rates vary from lender to lender, they are typically 2% higher than most on the market and will be affected by the home’s loan to value ratio LTV and your personal financial history. Doing research on the current real estate market will help you evaluate how your home will fare on it, though it should always be done anyway before making any fast decisions. It’s not unheard of for loan extensions to be offered, should your current home be struggling to be sold on the market.

Being Successful with Alternative Options

A lender for Arizona Bridge Loans can be found at your local bank or credit union. Alternative routes also include seeking out information for a 401 k or a home equity loan. Home equity loans are common solutions, despite the requirement of needing a high credit score and steady income. These loans work by taking a second mortgage on your home that is then used towards new loan funding. If you are seeking something with low interest rates, personal loans are a great option that can be combined with other types of loans if needed. Before making any fast decisions, it is important to thoroughly analyze all of your options and determine what short- and long-term goals you have that would be benefited by each type of loan option. If “bridging the gap” is not the right option for you, there are plenty of alternatives that promise success in various situations so that you can have your dream house.



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

Advantages of Commercial Texas Hard Money Lenders for Your First Fix and Flip

Choosing the next big investment is never easy—hours of binging HGTV doesn’t necessarily prepare you for what goes on behind the scenes. If you’re interested in learning more about the loan process for fixer uppers, pause HGTV and read more below!

It’s no question that the major personalities on HGTV today have the money to afford fixer uppers, with more than a little wiggle room for error. But what about the average person looking to break into the biz for the first time? Their wiggle room is certainly smaller, and their chances for error greater. So where do they go when they need to obtain funds fast for a fix and flip?

Oftentimes, people will turn to commercial Texas Hard Money Lenders. Commercial Texas Hard Money Lenders are untraditional alternatives to public lenders like banks and credit unions. What these untraditional, private investors do is evaluate the potential and collateral of the property. In this way, private investors are able to approve a wider range of people compared to public lenders because they highly consider the property’s potential profit line first. Though your financial history will be relevant to them, collateral comes first.

How Fixer Uppers Inherently Lend Themselves to Hard Money

Speed is one characteristic of hard money that can come in handy when obtaining a property off a competitive market. The ability to obtain the property with all of the ideal characteristics for a fixer upper will be ideal. Committing to a home that won’t provide any nasty surprises after the purchase will lead to more success in the long run. Being able to get funds fast may just allow you to get that ideal property for flipping. Commercial Hard Money Lenders allow for this and flexibility. Because they are more likely to approve you for a loan than a bank, it is also more likely that they will allow a little flexibility when it comes to repayment. The repayment period of hard money loans is short. This lends itself to fixer uppers because the goal is to fix, flip and sell quickly.

What You Need to Know Before You Move Forward with a Private Investor

While the short-repayment period and the fast funds make hard money a great option for people looking to flip, there are a few things to know about Texas Hard Money Lenders before diving in. First, Texas Hard Money Lenders have high interest rates. Their ability to approve a wider variety of borrowers is balanced by their higher interest rates. Coupled with a short-repayment period, this option may not be ideal for everyone, though there are benefits to consider. Second revolves around reliability. Reliable commercial Hard Money Lenders are out there, but so are unreliable agencies. Being confident that your lender supports the project and won’t pull out at the last minute is obviously going to be a concern to have. Researching their past clients and projects is one way to go about ensuring they are legit, but so is hiring a real estate attorney. A real estate attorney will be able to evaluate and determine if they are really a reputable agency and if they have any hidden fees and stipulations you may have missed. Doing thorough research will help you determine if Texas Hard Money Lenders are right for you and your personal financial situation, even though their process and typical benefits lend themselves to those fixing and flipping properties.



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

Do Private Money Lenders Work Like Traditional Loan Lenders?

Considering a private money lender is a common evaluation for anyone deciding on the best loan choice for them. It certainly was for Brianna and David when they didn’t qualify for a traditional public loan and learned the major differences between private and public lenders.

Brianna and David wanted to invest in a fixer upper. When they approached their local public lender, their nearby credit union, they found that they did not qualify for a major public loan. To do so, they needed a strong credit score and a solid debt to income ratio. Unfortunately, to seek out their dream of flipping a house, they would need to seek untraditional options.

Brianna and David were certainly a little wary of Colorado Hard Money Lenders—they were unsure what to expect, and the promise of an easy approval process made them suspicious. As they began to learn of their options, they became aware that private money lenders could offer a few things: money and speed.

Finding Success with a Hard Money Lender

Brianna and David didn’t rely on speed when it came to obtaining their loan. They weren’t working to prevent a foreclosure and their property wasn’t particularly competitive. Still, the prospect of speed was attractive. They found that their hard money lender could begin the loan process as soon as a day—something banks couldn’t get close to matching. Public lenders typically need a month to begin the loan process. As Brianna and David discussed prospects with their private money lender, they learned of their lender’s flexibility. For one, their lender could approve their loan request based on the potential of their property—and since the loan would be going toward a project that would be reaping benefits and a high probability of making a profit, they were able to qualify. Second, their lender was also open to expanding the terms of their loan agreement. Hard money loans work best with people seeking out funding for short-term projects, but they can sometimes be expanded with the right lender. Brianna and David were happy to learn their lender believed in their circumstances to support an extension.

Effects of Eligibility

Brianna and David were thrilled to come to an agreement with their private money lender. However, as they looked over the terms to the agreement, the major differences between a private and public lender were much more apparent. For example, private lenders have high fees and interest rates incorporated into the loan. This is something that banks do not do, and private lenders do this to weed out potential clients, and help ensure the reliability of their borrower, if it isn’t immediately reflected in their credit score or debt to income ratio. The high costs combined with the comparatively steep interest rates often weed out a lot of potential borrowers because, while the easy approval process may deem private lenders “affordable,” the hidden costs reveal they are not. Brianna and David weren’t thrilled about the fees, but found that, with some work, they could afford them provided their property didn’t come with any unfortunate surprises. Fortunately for Brianna and David, their hard money lender was a great option for their first fixer upper. Though it was costlier than they expected, they were able to complete their project successfully.



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 Colorado Private Money Lenders Can Get You Money Fast

Who are private money lenders—and should you borrow from one? Read more below to find out the advantages of their speed and if they are the best choice for you.

Private money lenders are untraditional and alternative options to public lenders. They usually consist of private companies and investors. Traditional public lenders usually consist of banks and credit unions. The process of borrowing from private and public lenders is a little different, based on the requirements each type have. Typically, people who cannot qualify for a loan with a private money lender will be referred to a private lender who offers hard money. Colorado Hard Money Lenders evaluate the value of the property first. Then, they evaluate the prospective borrower. Because of this, they are able to approve more people for loans than traditional public lenders. While they are able to provide a rapid approval that is unmatched by banks, there are a few things to know before committing to a private lender.

Expectations of Colorado Hard Money Lenders

Private money lenders are a great alternative option, but it is important to know that their speed is accompanied by high costs. The ability to approve borrowers with credit that doesn’t meet typical standards is paralleled by the assurance they provide themselves by requiring their own high rates. These rates can be 5 percent higher than those on the average loan market. Additionally, the short repayment period is something that should be considered heavily. In combination with the high rates, repayment may not be as feasible as you think. Hard money lends itself to short-term scenarios. So, even if you can get approved by a private lender while you are struggling to be approved by a bank, it doesn’t mean it’s the best option for you.

Evaluating Your Loan Eligibility Successfully

Even though private lenders offer many benefits, like speed and flexibility, it is important to understand how other factors may affect the balance of the lending process. For example, it’s important to know other situations people turn to hard money. They turn to hard money when they need it fast, but they also turn to it for short-term projects. These short-term projects should also have solid plans, with little wiggle room for wavering, so that if you are hit with the unexpected, you can afford it. If you are unsure if you’re a great candidate for a hard money loan from a private investor, you can always turn to a real estate attorney. Real estate attorneys can help you analyze the terms of the loan agreement so you’re understanding of all expectations, and any possible hidden fees or stipulations. This would be one great way of moving forward with a private lender confidently. If you are wary of the situation, it is likely that is not the best option for you. Colorado Hard Money Lenders are there to help make your dreams come true—you just have to put in the evaluation and research to know if they are the ones who will help provide you a happy ending, or another alternative option with similar benefits.



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

Can You Really Qualify for Texas Hard Money Loans?

Interested in obtaining funding with an alternative loan but unsure if it’s for you? Continue reading to learn more about how you can be successful with hard money, and if it is right for you.

Hard money loans are offered by untraditional lenders. Untraditional lenders are usually private companies and investors. Normally, a traditional loan can be obtained from a bank or credit union. However, because traditional lenders have qualification standards, not everyone can receive traditional loan funding. This is why many turn to Texas Hard Money Lenders, and why you may be interested in learning more about hard money yourself. Hard Money Lenders utilize the property’s potential when approving borrowers for loans. The value of the property, its potential profits, and collateral are the overall determining factors. And while financial history is important, it doesn’t play as big a factor as the property’s value will.

Qualifying for hard money loans will certainly be exciting, especially if you have been turned down in the past by other lenders. Though before moving forward, you will need to consider a few things before accepting and signing the terms to your loan agreement.

What to Know if You’re Eligible for Private Hard Money

Private lenders have high interest rates and loan fees that accompany the terms of private hard money. The rates can be as high as 15 percent and meant to protect the lender for possibly risky loans and unreliable lenders. It is not uncommon, either, to see ill-intentioned individuals hide under the premise of these loans. Doing your research and feeling confident in the reliability of your lender is going to be as important as proving yourself a reliable borrower. It’s not unheard of to have lenders pull deals out at the last minute. Understanding their past success with previous clients will give you an idea if you make a good fit with the kind of work they are intending to do, but you should also be aware of common situations when hard money is completely ideal.

Is Hard Money Right for You and Your Situation?

The short repayment period of hard money loans usually means it is most ideal for short-term projects. Examples of this include: renovating a fixer upper, obtaining money fast to prevent a home from foreclosing or to grab it quickly off of a competitive market. Fixer uppers are great for hard money because the loan can be used for renovations before the home is sold for a profit, in a very short-term scenario. Using the loan for something like the necessities of a rental property, which involves a profit after obtaining a tenant long-term, would not be ideal. 12 months are usually given for the repayment period, unless another deal is compromised with your lender. Timelines are extremely important. It’s one thing to obtain funding, but it’s another to not be able to work with the given circumstances of the agreement. Knowing how the timeline of hard money functions within your own personal timeline will determine if you will find success with hard money.



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

Do Texas Hard Money Lenders Really Make Dreams Come True?

Are you in need of a loan but unsure if hard money is right for you? Read Julia and Robert’s story below to find out the best way to take advantage of the hard money market.

Julia and Robert are married, successful business partners who have been working together for over 10 years in the housing market. With an eye for design and innovation, Julia has been working as an interior designer, while Robert has been working as a real estate agent. Having been in the industry for so long, it’s a wonder that they haven’t branched out into home renovations. Perhaps it’s been the hours of binging HGTV that’s inspired them to explore new opportunities.

Despite being successful in the industry already, it was still necessary for Julia and Robert to take out a loan to begin renovating a home. They were exciting to begin work right away, and were interested in pursuing Texas Hard Money Lenders because of the speed they offered.

Eligibility of Private vs. Public Lenders

Making money with private hard money investors means being aware of all of their expectations. Private money lenders work differently than traditional lenders like banks and credit unions. For example, they have an easy to pass approval process. Instead of evaluating the borrower’s financial history first, they evaluate the value of the property. Considering the property’s potential allows them to determine if it would be a successful investment. Then they can consider if the borrower is someone, they would be willing to work with. In this way, they offer flexibility that is appealing to many, especially when gaining approval by banks is so difficult. Working in the housing market made it necessary for Julia and Robert to understand finance and credit. This made them great candidates for a loan from the bank because they had a great credit score. Not only that, but the wealth they’d accumulated from work also made for a great debt to income ratio, something else that disqualifies many from bank loans. Despite these benefits, Julia and Robert turned to Texas Hard Money Lenders for another reason: speed.

How to Make Money with Private Money Lenders

Using the advantages of hard money was exactly what Julia and Robert wanted to do. Obtaining a property with high potential was going to be hard to do on a competitive market, though the speed of their private investor allowed them to bid fast. Banks can take as long as a month, but their investor allowed them to make a bid the following day. After obtaining the property, Julia and Robert were able to begin renovations. Because the fees of private investors are higher than traditional public lenders, Julia and Robert’s decisions had to be considered carefully. Anything can go wrong when renovating a house, and if the opportunity is there, it will. Creating a buffer for financial downfalls is exactly what Julia and Robert did, but they were fortunate not to have to fall back on them for much. Then, Julia and Robert were able to post their house on the market successfully. With a successful sale within their profit margin, making for less stressful loan repayments, Julia and Robert were able to prove that Texas Hard Money Lenders can help make dreams come true.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

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

111 Congress Ave | Austin | Texas | 78701  

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

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

Triple Your Chances at Becoming a Borrower with Texas Hard Money Lenders

Being disqualified from a loan can be frustrating, and you may not know what your next steps should be. Fortunately, for those who don’t qualify for traditional loans, alternative lenders exist to provide options for those who may be struggling to find funding elsewhere.

Traditional lenders like banks and credit unions may have some hard to meet requirements for the average borrower. If you’ve fallen behind in a payment or have weak financial history, you are probably not the best candidate for a traditional lender. While it may be discouraging at first, you should know you may qualify with untraditional, private lenders who offer hard money.

Texas Hard Money Lenders are the common go-to for people who can’t qualify for traditional loans. They offer speed, transparency, and a quick approval process—perfect for those who are ineligible for bank loans, and are looking to moving forward fast.

Benefits of Borrowing from Private Investors

Borrowing from private investors usually means having a more personal relationship with greater transparency. In a successful deal with a hard money lender, you will get the money you need fast, as well as have some flexibility within the loan. Private investors focus on the property’s potential. This means they will evaluate it using a loan to value ratio, or LTV. Sometimes they are able to offer borrowers as much as 75% of the LTV. Banks differ because they evaluate the reliability of the borrower first—they seek out credentials, ensuring they are lending to a candidate who will be successful in the repayment period. This is not to say that private lenders do not consider your finances—they do. But they also evaluate how successful you will be with the property. In cases of fixer uppers, where a profit is hopefully being made, they will consider how this will factor into your ability to repay.

Tactics to Borrowing Successfully

Borrowing from Texas Hard Money Lenders successfully comes down to using your smarts in making decisions. Doing research and understanding all the factors involved will make your life easier. This involves the terms to the loan agreement, expectations of your lender, and factors regarding the property itself. The repayment period for hard money is fast. Because it is paid off so quickly, usually in 6 months to a year, it is a great option for fixer uppers. The success of a quickly sold and renovated home lends itself to this option. However, others with a need for speed may also turn to this option—like those trying to prevent foreclosures, or just trying to obtain a competitive property. One major stipulation all borrowers of hard money need to consider is the high fees. While obtaining loans from private investors may come easier than public investors, it definitely comes with a noticeable price. Because lenders are going into a loan agreement with someone deemed “unreliable” by banks, the high fees act as a buffer between the lender and borrower. Knowing your financial situation and thoroughly evaluating if you can couple the fees of hard money as well as its repayment period will be essential, because while private investors offer great alternative options, they may not be the best bet for everyone, even if approval comes easy.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

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

111 Congress Ave | Austin | Texas | 78701  

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

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

Top 6 Arizona Hard Money Loans

Get hard money loans today through Level 4 Funding.

Opposed to conventional or institutional lending sources, hard money originates from private investors. These private investors pool hard money funds intended to be lent out above the average market interest rate in order to finance business ventures, asset acquisitions, or residential needs. Hard money is found by consulting either a private money lender directly, or a hard money broker. Comparing loan types, terms, and rates from a variety of lenders, hard money brokers help clients find the right type of financing. Though hard money loans vary, here are some of the most common loan types available.

Business Loans:

· Commercial loans: Frequently, businesses need more, more land, equipment, or inventory to meet demand. Arizona Hard Money Loans can help. Other reasons for acquiring commercial Arizona Hard Money Loans include bad credit, lack of credit, foreclosure, market shift, economic downturn, bankruptcy, or debt consolidation. Whether growing or maintaining investments, Arizona Hard Money Loans offer help, progress, and return.

· Arizona Cannabis Business Loans: Navigating the promising and perilous opportunity of legal cannabis? Need some cash to get your business up and running? Hard money is probably your best bet since institutional lending is on the sidelines. Get cash to start an agricultural, medicinal, clinical, or commercial business. Find the right property to grow your business. While institutional money is on the sidelines, small business is poised to gain.

Residential Loans:

· Owner occupied loans: Sometimes, when you already have a mortgage, it is difficult to get further financing from the banks. This is discouraging for individuals who just need a little money to renovate their home, bump the value of their residence a bit. Arizona Hard Money Lenders are able to lend money to residential home owners who need a helping hand.

Real Estate Investing Arizona Hard Money Loans

Real Estate Investment Loans:

· Fix and flip loans: Fix and flip loans help real estate investors acquire, renovate, and sell property. Distressed property is king, since it’s below average market value and offers greater potential returns. However, banks frown upon distressed properties, so hard money lending is typically preferred for fix and flip investors. Arizona Hard Money Loan help fix and flip investors step-by-step with financing until the property is refurbished and valued at average market value.

Get Arizona Hard Money Loans. Talk to your hard money broker today at Level 4 Funding.

· Renovate and rent loans: Wait, you can retire on rental properties? Sure! Save money, invest in property using your savings coped with Arizona Hard Money Loans. Buy distressed property, fix it up, and lease it out at a comfortable rate. Pay off your loan in a short period and have pure cash flow. Repeat. Retire with long-term cash flow from long-term rentals.

· Spec home loans: Are you tired of beating the bushes for distressed property? Build a spec home and secure returns with Arizona Hard Money Loans. Arizona Hard Money Lenders allow you to acquire land, build property, and sell homes for a pretty penny.



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

Crowdfunding: A New Era of Arizona Private Money Lenders?

The concepts of crowdfunding have been around for a long, long time. Printing presses, credit unions, governments, bonds, religions leading up to GoFundMe, blockchain, Uber, Airbnb, etc. . . . With the internet overwhelming the four corners of the earth, crowdfunding has risen to a global stage, a stage that entices many to invest, fund, or support the efforts of others. Curiously enough, crowdfunding has even seeped into real estate investment acting in virtue of a horde of micro Arizona Private Money Lenders.

Crowdfunding, or gathering small amounts of money from large groups of people in order to achieve a purpose has been going on for a very long time. In the past say 1439, after the beginning of the printing press, when paper, materials, ink, and machinery were more expensive, writing was still expensive despite innovation. Becoming a writer alone usually required someone of great monetary means whose patronage could support an individual of literary talent. However, to acquire more business, many writers employed methods of subscription to fund further literary works. With enough written confirmation of individuals willing to buy the book, publishers would feel comfortable undertaking the risk of printing.

Aside from writers and printers, religions, charitable organizations, credit unions, and even bonds have implemented crowd funding principles. However, after the advent of the internet and the spread of personal computers, crowdfunding evolved taking the nation and the world by surprise. Napster in 1999, for example was an early attempt. eBay, soon followed along with Airbnb, Cryptocurrency, Uber, Spotify, Citi Bike, and a myriad of mobile scooters paying individuals up to $20 per to charge each unit. Crowdfunding and its principles are wide-reaching, theoretically founding or funding many successful companies.

Some are interested in crowdfunding for its ability to help those in need, offer unique services to many people, or build economic infrastructure in third-world countries. Others enjoy these benefits but are also able to harness crowdfunding to create, build, and secure returns.

Micro or Macro?—The Future Source of Arizona Private Money Lenders

The possibilities of crowd funding are unforeseeable and promising. Instead of gathering the funds of one huge entity, it allows companies to harness the power of many Arizona Private Money Lenders. E pluribus unum. Micro Arizona Private Money Lenders continue to move mountains with the widow’s mite. Surreal.

Will conventional hard and Arizona Private Money Lenders be affected by crowdfunding? Stay tuned . . .

There are now over 75 crowdfunding real estate entities in the US. Many ponder the implications of crowdfunding entering into the real estate industry and the effects it will have on hard and Arizona Private Money Lender. Only time will tell how crowdfunding will work out, whether or not legal mandates will push it out of the lending sector or will allow it to remain.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

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

111 Congress Ave | Austin | Texas | 78701  

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

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

4 Benefits of Using Arizona Private Money Lenders

Who are Arizona Private Money Lenders, and why should they matter to you?

Arizona Private Money Lenders are individual investors who are separate from federal institutions. Aside from conventional lenders who receive institutional money, rates, and regulations in order to lend money, private lenders loan out their own money to the individuals they see fit to loan to. They are small entities with their own interests and their own agendas, not an extension of the bureaucratic arm of federal lending.

There are several benefits to using private lenders. First off, generally speaking, Arizona Private Money Lenders tend to finance real estate that needs to be repaired. They are okay with borrowers purchasing property that has been run down, that has extensive damage, or that can be fixed within a short period of time. This is because these types of property, if the numbers are crunched correctly, can bring in a healthy return, benefiting both lender and buyer. Because of this, fix and flip investors frequently tend to deal with private lenders for a variety of lending scenarios: acquiring a profitable piece or real estate that may be distressed; financing only a portion of the renovation process such as cement, paint, etc.; or financing equipment that can be used for renovations.

Second, reduced lending requirements. Arizona Private Money Lenders do not require lengthy verification requirements and can be funded within a matter of a few days at the quickest. The speed and the reduced application and funding requirements make private money popular for individuals purchasing wholesale, foreclosed, or short-sold properties, many of such purchases needing to be funded within a short amount of time opposed to the lengthy, 40-day-plus period that a conventional loan would take.

What Do Private Lenders Require?

Third, Arizona Private Money Lenders tend to look at equity positions and business success over past bankruptcies, foreclosures, and delinquencies. Many recipients of Arizona Private Money Lenders are contractors, leasers, and flippers who purchase property to get a return on money. A primary concern for Arizona Private Money Lenders is what the loan-to-value (LTV) and the after-repair-value (ARV) will figure out to be. By calculating both of these factors, a private money is able to calculate risk in the advent of foreclosure. Other factors included when financing real estate investors are: how many jobs has the investor completed, and how well has his or her investing business held up.

Arizona Private Money Lenders are local lenders who tend to have a personal relationship with borrowers.

Fourth, Arizona Private Money Lenders are generally local lenders. Aside from equity and work history, Arizona Private Money Lenders tend to lend to people in a close-knit community. Instead of calling an obscure entity from a “1-800” number that is directed through a myriad of phone lines and codes just to hopefully get a bank representative, Arizona Private Money Lenders are accessible, personable, and available. By building local investment ventures, they indirectly build communities, small businesses, local infrastructures, and community jobs. Though finding Arizona Private Money Lenders is not as easy as other lending outlets, it is a comfortable and a less regulated lending form that continues to help many small business and individuals get their start.

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