Monthly Archives: February 2019

Triple Your Income Using Hard Money Loans

Supplement your income with real estate investments using Arizona hard money loans. Hard money lenders can help you get on the path to real estate success by lending you money at competitive rates.

No matter how many figures you make, having multiple business ventures is always a good idea. If one of them fails, you always have another. Not sure where to start? Real estate can be an excellent way to add to your income, especially because the industry offers so many profitable options.

One-time Real Estate Profit Ventures

Building a spec home from scratch allows you to choose strategic design that will ensure a quick sale. Designing a home on the cheap and selling it for more? Great option for some extra money.

Flipped homes are similar, but you can’t really design them from the ground up. You can still choose many aspects of the design in order to make it sell, and once it does, you can make a pretty penny.

Spec homes and flipped homes can be great for earning some cash on a one-time basis. The average profit for a flip is about $30,000. If you’re flipping more than one home a year, you can rack up a lot of money.

To start off, you may want to think about Arizona hard money loans. Fix and flip loans and spec home investment loans are meant to help you start making money from real estate, and they are both offered at the hard money lender Level 4 Funding.

Consistent Income from Real Estate

If you’re looking for a more consistent form of income, rental properties are your best bet. Arizona hard money loans like fix and flip and commercial real estate loans can help you get to the constant stream of income you’re looking for.

Flipped properties don’t have to be sold immediately. Many landlords flip homes and rent them as opposed to selling them outright, giving them consistent income rather than a one-time deal. Monthly rent and utilities can come in handy for payments on your flipped home and give you some pocket money.

Commercial real estate is considered any property that will be used to make a profit, including apartment and condo complexes. Complexes or buildings will be larger investments than flipped homes but rent from several groups of tenants at once can help you pay back any initial investment loans.

Hard Money Lenders and You

Hard money lenders try to work with their borrowers to make the loan process easy. Unlike banks, hard money lenders are all about their clients, featuring streamlined approval processes and even custom payment plans. Research hard money lenders near you to learn more about what they do and how their loans can help you increase your income threefold.

Level 4 Funding is an accountable hard money lender that will help you achieve your real estate dreams.

Based in the American Southwest, Level 4 Funding is a trustworthy money lender that has already lent out $40,000,000 to people just like you. Their loans come at competitive rates and their agents are there to help you with the entire loan process. Start your journey toward real estate success today with Level 4 Funding’s Arizona hard money loans.


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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When Should You Apply for an Arizona Bridge Loan?

An Arizona bridge loan can be great for funding a new home purchase, but how do you know when to apply? Find out about Level 4 Funding’s Arizona bridge loan process and learn how to best time your Arizona bridge loan application.

Moving is stressful, especially if you’re worrying about how you’re going to pay for your new home. That’s where Arizona bridge loans come in. These loans are meant to bridge the gap between buying your new house and selling your old one. Your loan helps you buy your new property, and then you can pay back the loan when your old home sells.

You may know you need an Arizona bridge loan but aren’t sure when to get it. If you’ve never dealt with a hard money lender before, it can be tough to judge the timing of your loan.

However, many hard money lenders work in similar time brackets. Private lenders like hard money lenders are often used by borrowers to get money fast, since these lenders have such short turnaround time. Lenders can sometimes get borrowers their money in less than two weeks. Private lenders are also used for many short-term loans, such as loans that will last less than a year.

With all that in mind, you can start to determine when you will need to apply for your loan. For the most efficient and stress-free process, it’s best to apply for your loan within a few months of needing the money. Usually, hard money lenders will ask you to have as much information as possible about the property you plan to purchase. Once you know which new property you are buying, you will be able to apply for an Arizona bridge loan.

To ensure your loan will have enough time to be processed, apply a little earlier than you think you need to. Even if you’re a little early, if you get approved, you can discuss your situation with your hard money lender. Let them know exactly when you’ll be needing the money. It’s better to apply too early and have to wait for the money than to apply too late and not be able to get it in time.

Why hard money lenders?

Although you can get loans from banks, hard money lenders offer great advantages that may make you think twice about a bank loan. Hard money lenders have very short application processes, making them ideal for those that need money fast. Their application processes are also far simpler than those of banks. Plus, you’re likely to get approved for your loan even if you have poor credit, as hard money loans are based on collateral and not your financial history.

Your hard money lenders are there to help you.

If you have any questions about hard money loans, reach out to your hard money lender. Remember that they are there to help you through the moving process and make it all a little easier. Hard money lenders are known for working well with their clients and making loan processes fit their needs. Communicate with your hard money lender about your situation and let them know what will work for you.


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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What Arizona Commercial Hard Money Lenders Can Do for You

Arizona commercial hard money lenders can help you invest or even start a business. See what you can buy with their loans and why you should choose them to finance your next property purchase.

There’s a lot of money in real estate, and it can be wise to make some investments. Arizona commercial hard money lenders can help you purchase property up front to start your investment journey. This can be very helpful if you don’t have the money you need to buy a property at a given time, but you know you’ll be able to pay it back later.

Arizona commercial hard money lenders essentially fund the purchase of properties that will be used to make money, and a lot of things fall under that umbrella. Real estate investment properties as well as business office space can be purchased with commercial loans.

Here are just some of the specific property types that you can buy with commercial hard money loans:

Restaurants

If you’re a foodie, starting a restaurant could be a great idea. As businesses, restaurants are meant to make money, making them commercial properties. You can start the next best steakhouse, grill, dive bar, or luxury fine dining establishment in your town by partnering with a commercial hard money lender.

Retail space

Grocery stores, boutiques, and department stores are all considered commercial real estate because they are retail spaces. These spaces have the potential for profit through sales and can therefore be covered by commercial real estate loans.

Apartment/condo complexes

If you’re the owner of an apartment or condo complex, you own a commercial property. These complexes are considered commercial real estate because they are meant to help owners profit through rent.

Office space

Office space is another form of commercial real estate because the company will profit from the work being done inside them. Office buildings or small suites are both considered commercial real estate.

How to Apply for a Commercial Real Estate Loan

Arizona commercial hard money lenders have much faster application and approval processes than banks, which is helpful if you need your money fast. Some lenders like Level 4 Funding even have online applications that you can complete with the click of your mouse.

To apply for a loan with Level 4 Funding, simply visit their website. Their application can be found on the company’s homepage and will only take you a few minutes. Make sure you know the details of the property you’re interested in purchasing, then head to the application.

Level 4 Funding doesn’t ask you for confidential financial information. Instead, they simply ask for your name, contact information, and a description of the property you’re interested in purchasing. They care about their clients and wanted to make their application fast and easy to complete.

Level 4 Funding will give you your results in no time.

Banks may take weeks to get back to you on a loan, but hard money lenders have much less wait time. Be patient and an agent will get back to you quickly with your loan results.


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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How Do Arizona Cannabis Business Loans Work?

Looking to get into the cannabis industry? Applying for Arizona cannabis business loans can help you get started.

The cannabis industry is growing and growing with no end in sight. After its recreational and/or medical legalization in many states, more and more people want to get a piece of the cannabis pie. The industry is already worth $31.4 billion worldwide and its future looks bright.

You, too, can be a part of this exciting industry with Arizona cannabis business loans. If you want to get into the market for cannabis but aren’t sure where to start, taking out a hard money loan can be a great first step. This will help you get your business going without you having to pay thousands of dollars right off the bat.

So, how do these loans work?

Like other hard money loans, Arizona cannabis business loans can be borrowed from hard money lenders. You can apply for these loans with hard money lenders online.

Before you apply, though, you should have an idea of what you’d like to spend the money on. For example, would you like to start a brand of cannabis products, like CBD oil? Would you rather start your own dispensary? Decide what will work best for your lifestyle and financial situation and make a mental note.

When you’re ready to apply, check out the Level 4 Funding website and fill in your application. It only takes your name, email, and phone number, plus your description of the loan you’d like and what you’re using it for. Explain your cannabis investment plans and give them as much detail as possible.

When you’re approved for your loan, you can use it to pay to start your business in the cannabis industry. If you need a commercial space for your business, your hard money lender can also help you take out a loan for construction or commercial real estate. Depending on your lender, they might be able to give you 100 LTV commercial real estate financing.

One of the best parts of working with hard money lenders is their flexibility. Hard money lenders are known for working with their clients on payment plans, so you can pay when it works for you. This can be very helpful if you’re strapped for cash.

The good news is that your cannabis industry investment should pay for itself in time.

Invest in the cannabis industry by taking out a hard money loan.

The cannabis industry is growing almost non-stop, and it appears that the industry will only continue to grow. Invest now while the industry is still new and see your profits grow dramatically. To invest, consider taking out a hard money loan. You won’t be sorry.


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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Top 10 Tips on Working with Arizona Private Money Lenders

Arizona private money lenders might seem confusing if you’re working with them for the first time. Learn how to navigate the money lending process with these tips.

If you’re new to the world of private lending, it can be helpful to know how to work well with Arizona private money lenders. In any industry, there are things that, when done, can help make proceedings go more smoothly. To make the lending process as easy as possible for you and your lender, we’ve put together our top 10 tips for working with Arizona private money lenders.

Our Top 10

1. Know your private lenders’ backgrounds.

It helps to go into your loan process knowing a little about who you’re dealing with. This can help you start conversations and build strong relationships with your lenders. Good relationships with them can work in your favor when it comes to future loans.

2. Research their company.

Make sure you’re working with a reliable company. Their company website and online reviews should tell you a lot.

3. Know the type of loan you want.

Oftentimes, hard money lenders will offer various loan types. It will help them if you have an idea of the loan type you’re looking for, whether it be a cannabis business loan, commercial property loan, or fix and flip loan, for example.

4. Go in with an ideal rate.

Think about the ideal rate you’d like on your loan, or even a range of rates that would work for you. Having this in mind going in will help you better negotiate with your lender.

5. Have a payment plan in mind.

If you have any payment constraints or desires, map them out before discussing them with your lender. Knowing what you need in a payment plan and communicating that to your private lender will help them help you.

6. Know the ins and outs of your property.

This is a big one. Know the property you want to purchase like the back of your hand and bring information about it with you to your lender if you can. The better you know your property, the better you will be able to determine the amount of money you need to borrow.

7. Know what exactly you will be doing with the money.

Going along with knowing your property, try to know as much as you can about what you’ll need the loan for. This clarity and detail will build trust between you and your lender.

8. Keep up a dialogue with your private lenders.

Lenders want to know that you will pay them back. You can assure them of this by effectively communicating about payments and problems.

9. Treat your Arizona private money lenders kindly.

They’re helping you out, and you will be working with them for likely a long time as you pay back your loan. Treat them well and make sure they know they’re appreciated.

10. Recommend your lenders to others.

Businesspeople love more business! Recommending your private lenders to others will not go unnoticed.

Follow these tips to ensure a smooth lending process.

Your private lenders will be thankful for effort you put into communication with them. Build strong relationships with your lenders and it will help you in the long run.


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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How to Work at Home by Taking Out Arizona Hard Money Loans

Getting Arizona hard money loans to help you invest in real estate can really pay off. Investing wisely will get you on the path to being the best work-from-home landlord on the block.

It seems like everyone wants to work from home, and for good reason. You can make money without leaving your living room or getting out of your pajamas. It almost sounds too good to be true, but it’s actually a goal within reach.

Investing in properties by taking out Arizona hard money loans can make you a decent salary, and you can work toward managing it all from home. While you’ll have to put in work outside your home to get your business started, property investment can be a work-from-home job if you want to make it one. You just have to put in the initial effort.

The Process of Real Estate Investing

The first step is to explore your options. Rental properties, commercial properties, and fix and flip properties are all great real estate investments. One may be more worth your time than another depending on your area and the real estate market, so be sure to do your research and see which investment plan fits your lifestyle and environment.

Once you’ve decided which kind or kinds of properties you’d like to invest in, it’s time to make it happen. We’d recommend starting with one property to test the waters and give you a better idea of how to run an investment property. To find good deals on property, scour real estate websites and sit in on property auctions. You’re looking for a low-priced property in a good neighborhood. You can fix up a property, but you can’t change its location.

The Arizona hard money loans you need will depend on the property you’re interested in. If your property already has a building on it, you may want an investment loan or a fix and flip loan. These loans will help you pay for the property and fix it up if needed. If you want a lot or piece of land on which to build your property, you may need an investment loan and a construction loan to help you purchase the property and then build on it.

The great thing about buying an investment property with Arizona hard money loans is that the property will pay for itself over time. Whether you’re flipping a home or renting it out, the money it brings in will help you pay back your loan. Then, once your loan is completely paid off, the rest is money in your pocket.

Flipped homes typically bring in $30,000 in profit each. Rental homes and commercial properties will likely bring in more overall, as you’ll be getting payments from your tenants each month. Depending on how long you keep the property, you could earn way over $30,000. That will depend on your rent and your area’s real estate market.

After you’ve had one experience with property investing, if you like it, you can take out more Arizona hard money loans to finance future purchases. By the time you have a few investment properties, you can manage them from home and only visit them when they need repairs. Plan strategically and that life could be yours.

Choose Level 4 Funding to finance your real estate dreams.

Level 4 Funding is a trusted hard money lender based in Phoenix, AZ and has funded over $40,000,000 in projects. You could be next! Apply for your loan online now and get your results faster than you would at a bank.


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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How Much Do You Know About Hard Money Lenders?

Arizona hard money lenders are great options for loans, but not everyone knows that much about them. Private lending is pretty simple and can save you time and money compared to banks.

You should know that there are more options for your loans than just banks. Arizona hard money lenders can get you money quickly and easily without having to deal with banks’ complicated application processes. Private lending has several advantages over bank lending and is available all over.

If you’re looking for more information about private money lenders, check out some of these facts to become more familiar with the process.

Did you know that…

You don’t need flawless credit to get a loan from a hard money lender?

Hard money loans are equity-based, while bank loans are based more on your financial history. Therefore, money lenders typically place more emphasis on your collateral and less on your credit. If you have poor credit and can’t get a loan from a bank, you might be able to get one from a hard money lender.

Arizona hard money lenders offer a variety of loan types?

Private lenders lend money to support various business endeavors, including cannabis, real estate, and others. Bridge loans, fix and flip loans, investment loans, and commercial loans are some of the most common real estate loans.

You can apply for a hard money loan in less than ten minutes?

Like banks, some Arizona hard money lenders have online loan applications. Level 4 Funding’s loan application is just a few easy questions, and they’re likely to get back to you about your application faster than banks. Hard money loans are typically used to get money fast. If that’s what you’re looking for, consider applying.

Some private lenders can get you 100 LTV financing?

With Arizona hard money lenders, you have the possibility for 100 LTV financing in some cases, something banks cannot always offer. Part of what makes money lenders so helpful is their ability to work with you on an individual basis to develop a loan plan that works for you. Your rate and your payment plan can both be discussed with your lender to make sure they will fit your lifestyle.

Taking out a loan now could help your financial future?

People make millions investing in real estate, and you could, too. You can purchase your first investment property with a hard money loan, pay it back in no time, and be on your way to financial success.

Consider a hard money lender for your next loan.

Arizona hard money lenders make loans easy, from application to final payment. Their ability to work with you throughout your loan process cannot be matched and is helpful for many borrowers.


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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Hard Money Lenders: Finding the Help That’s Right for You

Hard money lenders offer real estate investors the flexibility needed to finance deals that other lenders avoid like the plague. Of course, not every lender is cut from the same cloth. Learn some of the traits of the ideal hard money lender so you can find the help that’s right for you.

When it comes to hard money, you want to look out for hidden costs. In the case of rehab projects, sometimes the loan is given to the borrower bit by bit in the form of draws. Don’t get ripped off by making interest payments on money that you haven’t received yet. These hidden interest payments can cost you thousands of dollars. Seek out lenders who only charge interest on money as it is drawn if you plan to use hard money for a rehab or construction project.

If you can seek out direct hard money lenders, do so.

A direct lender is someone who already has the funds on hand to close your deal and typically has more room to negotiate. Direct lenders raise the capital to fund their loans themselves. In contrast, indirect hard money providers fund their loans from a pool of accredited investors. In most instances, these investors have a guaranteed rate of return on their investments. Due to this fact, indirect lenders have no wiggle room when it comes to the interest rate they can offer you.

Hard money is all about flexibility, and you want as much room to negotiate the terms of your deal as possible. Even a one percent reduction in interest rate could save you tens of thousands of dollars depending on the size of your loan, so seek out a direct hard money provider who has more room to negotiate the terms of your deal.

You can seek out hard money lenders that offer you the ability to write off interest payments on your taxes.

Say you’re a regular real estate investor. Perhaps throughout a given year, you’ve rehabbed three properties, taking out loans of around $300,000 at a 14 percent interest rate. In this case, throughout the year you’ve paid about $10,500 in interest.

Would you like to write that off that very healthy sum on your taxes? Then you need to seek out a hard money provider who can provider a 1098 mortgage interest form. Not every hard money provider can do this due to inexplicable and opaque regulations far beyond the scope of this article. If you are a regular real estate investor being able to deduct your mortgage interest payments could save you thousands of dollars each year.

In short, the ideal hard money provider saves you money in the following ways:

• They don’t rip you off with hidden expenses (i.e., charging interest on money they haven’t given to you)

• They’re able to save you money because they can offer you a lower interest rate

• The interest on the loans they provide can be deducted from your taxes every year


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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How to Use an Arizona Bridge Loan to Get the Home of Your Dreams

An Arizona bridge loan can help homeowners as they transition between homes. This type of loan is a win-win if you want to move, have a buyer lined up, and your deal runs into unexpected difficulties.

Say you’ve put in an earnest offer on your dream home. The house is just everything. It has a pool, room enough for the kids, and separate space for an art studio. You made an offer on contingency because you’ve got a buyer lined up on your current home, but the deal just hasn’t closed yet.

As the deadline to close approaches, you find yourself packing boxes, all ready for the money to come through, and then you get a call. It’s your buyer.

“Listen, I’m going to need another 60 days before I can get you the money. We’ve got a mold issue we need to resolve.”

You then call up the current owner of your dream home, asking for a little more time, but they too are fully packed and ready.

They tell you, “Someone put in a full offer right after you. Maybe I’ll just call them. It’s too much of a hassle to unpack my whole house again.”

You ask for a week, and the seller reluctantly agrees.

You hang up, dejected and furious, certain that all hope is lost.

An Arizona bridge loan can help fuel the cost of your next move

Since your home hasn’t sold, you don’t have the money for a down payment on your next house. But, you realize you have about $100K in equity in your current home. You think, “Can’t I just borrow against that?”

You look up “bridge financing,” and you learn that these loans allow you to cash out up to 90% of the outstanding equity on your current home. At first glance, the 12% interest rate makes you shudder, but you sense it might be your only hope, so you bite the bullet. The $90,000 in bridge financing is more than enough to make a down payment on your next home.

The process is fast enough that you don’t even need that extra week, and move into your new home the next day.

You put your bridge financing to work, making a down payment on the second mortgage on your dream home. You are a bit nervous, because basically, you have two mortgages at this point in addition to bridge financing.

The 60-day window passes. You nervously sit by the phone waiting for the buyer of your old home to call, and sure enough, they do. It seems they’ve got their act together. The papers are signed, the money comes through. The proceeds from the sale of your old house pay off your first mortgage and that $90K in bridge financing. Now you only have one mortgage.

And you live happily ever after in your newly secured dream home.

Don’t let your move become a nightmare because of an unexpected difficulty. An Arizona bridge loan can help make your dreams come true.

The situation just described is a perfect example of when to use bridge financing.

The main risk with this type of loan is that you move from one home to another, but your former home doesn’t sell, leaving you on the hook to pay off the bridge loan. However, if you have a firm assurance that your home is going to sell in a handful of months, bridge financing isn’t such a risky proposition.

In short, don’t let an unsold home keep you from purchasing the home of your dreams.


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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Are Fannie Mae’s Subsidized Arizona Commercial Real Estate Loans a Win-Win?

Fannie Mae recently began offering subsidized Arizona commercial real estate loans to property investors. Like any government program, there’s a catch. If you take out a loan under this plan, half of all the units in your apartment complex must be priced for the “lower middle class. You’ll have to cap rents on 80% of your units. You might be wondering why you’d want to do something like that.

Rent caps could be coming to a neighborhood near you whether you like it or not. If you follow Fannie’s guidelines, you’ll get funding for up to 90% of your next property at a minuscule interest rate. This means you can secure your next apartment for next to nothing if you agree to earn next to nothing going forward.

Already across the country, local politicians are making vague speeches, full of mythical “teachers and firefighters who need affordable housing.” Local politicians, with eyes toward the distant future, are intent on stopping the supposedly rampant rent increases.

The implication? You might be legally obligated to offer subsidized housing in the not too distant future. You might want to consider taking advantage of the Fannie program sooner rather than later.

Because more localities are mandating subsidized housing, maybe Fannie’s subsidized Arizona commercial real estate loans are a good idea.

It might be in your best interest to cap rents preemptively on your next investment property and board the subsidy train.

In the worst case scenario, you might purchase a shiny, class-A high rise with an expensive loan, under the presumption of rising rents. If city council erases your profit projections and restricts the amount of rent you can charge per unit, you’re out of luck. Who knows, you might default as a result of their new mandate.

In politics, you know that the ends justify the means. Local politicians need to play their part as middle-class champions, and if rent controls lend credence to their act, don’t expect them to hold back. Sp, you never know if rent controls are coming.

But, what if rent controls don’t come?

Taking advantage of subsidized Arizona commercial real estate loans could cost you.

If you check the political headwinds and determine that rent caps are a foregone conclusion, taking out a subsidized loan on your next investment property might be a good idea.

But what if there’s a change in the agenda? Say the city councilors decide they should let the market determine rent, causing rent to skyrocket. Taking advantage of the Fannie program means you won’t be able to charge based on the market rate. As your fellow landlords enjoy rising profits, all you get is a lower mortgage payment. In the end, you want to make money, and preemptively limiting the amount of money you can make on your next investment property might not be in your best interest.

Then again, it could be a good idea. Taking advantage of Fannie Mae’s program is a matter of your own discretion. Maybe you could decide by flipping a coin?

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
Fb Yt In Arr Nm Bl Tw
Gp