All posts by bigdaddydennis

Can You Get Rich Using Arizona Private Money Loans?

Even if the banks have turned you down, you may still be able to get the funding you need to realize your real estate dreams and make money. How? By going with a Arizona Private Money Loan.

Everyone’s always looking for ways to get rich quick. Unfortunately, get rich quick ideas often end up making people lose money fast. So we’re not here to tell you how to get rich quick, but there are millions upon millions to be made in this game and there are ways to turn a profit relatively fast with some hard work and the right funding.

And, if you’re like a lot of real estate investors, you’re not afraid to roll up your sleeves, get your hands dirty and put in the hard work. So that just leaves the part about finding the right funding, right? Banks are the traditional route, and many people find success that way, but there is a wealth of reasons why they aren’t the best idea for everyone.

Banks are impersonal institutions that are bound by external regulations and strict internal guidelines. Anyone who’s ever gone to one to see about a loan can attest to this. When they say, “jump,” you say, “how high?” You’ll be asked to show every bit of income and every account in your name. Your credit score will be scrutinized ad nauseam, and your financial history will get a good going over. Your rep at the bank will generally have no wiggle room to offer you a loan. And, if you don’t meet their standards, they’ll give you a flat no with no other recourse.

Arizona Private Money Loans as an Alternative to Bank Loan

Here’s where Arizona Private Money Loans can be a great alternative to bank loans. As the name implies, this money comes from private individuals, so it’s not subject to the same strict standards as the bank. That means your history and credit score don’t have to decide whether you can get the funding you need. What’s more, private money lenders have the flexibility to sit down with you, listen to your dreams and help you make the money you deserve.

Arizona Private Money Loans in Arizona

With a private money lender, there’s a personal relationship — you can develop a rapport, hash out a plan and work together to turn a profit on that real estate investment. Not sure what a Arizona Private Money Loan can do for you? Call Level 4 Funding in Arizona today and find out!



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 Keep Jumping Through Hoops? Go the Arizona Hard Money Loan Route

Banks and traditional funding institutions are some of the fundamental pillars of our capitalist system, but they aren’t the only way to get money to pay for your next investment. In fact, they may not even be the best way. Here’s why Arizona Hard Money Loans might be a better option.

Our country’s big financial institutions help facilitate the movement of money that keeps our economy chugging along. They’re an important part of our economic system and, without them, our world would look a lot different. In fact, without a foundational system wherein people can borrow money to start businesses, buy homes and realize their dreams, this country wouldn’t be the great place it is. However, it’s important to understand that banks and financial behemoths aren’t the only way to borrow money.

We sometimes get trapped in this thinking that there is “the system” and the only way to get through life is to go through that system. If you can’t get a loan through this system, you’ll be out of luck as others around you move up in the world. Let’s dispel that myth right now. While banks are responsible for much of the lending that goes on in the United States, they aren’t the end-all and be-all.

Arizona Hard Money Loans as an Alternative to Banks

Arizona Hard Money Loans offer a viable alternative. For some people, they’re even better than going to a bank. Here’s why. Because banks are so big (and they’re regulated by government agencies), they can only do so much. They have very strict internal guidelines that tell them whether you are worth the risk or not. If you’ve had a past financial mistake; if you have a lower-than-their-threshold credit score or if you don’t have enough in the bank, you’re out.

Arizona Hard Money Loans work with private money, so they aren’t bound by these same government restrictions and hard-as-nails internal standards. They can sit down with you, take a look at your plan, see what you have as collateral and make a choice on a human-to-human level. To them, you aren’t a disembodied customer in a database; you’re a human being with a dream.

Talk with a Arizona Hard Money Lender Today

At Level 4 Funding, we’ve helped hundreds of people realize their dreams, whether it’s a commercial property, a fix-and-flip, a spec home, or anything else. If you want to see how a Arizona Hard Money Loan might work for you, give us a call or send us a message today!



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

Try These 3 Tactics to Get 100 LTV Arizona Hard Money Loans

In the lending industry, 100 LTV Arizona Hard Money Loans are a bit like UFOs; some people claim to have seen them, but most don’t think they exist. And those people are right. Sort of. Let’s look at some ways you may be able to get to 100 LTV.

For those of you who aren’t familiar with the term, LTV is loan-to-value ratio. Simply put, this is the value of the loan you’re getting versus the value of the property. So let’s say you’re buying a property worth $200,000 and you’re getting a loan for $160,000. That’s an 80 LTV because you’re borrowing 80% of the value of the property. This ratio is important because lenders use it as a metric to assess risk. 100 LTV may be rare, but there are ways to get there. Here are a few tactics you can employ to do it:

1. Do Your Research. Many Arizona Hard Money Loans will tell you flat out that they just won’t consider doing a 100 LTV Arizona Hard Money Loan. Some may post this information right on their website; others will tell you on the phone. So here’s what you do: research Arizona Hard Money Loans in your area (say, Phoenix, Arizona). Peruse their websites, send them an email or give them a call and ask. It’s quick; it’s painless and you won’t be barking up the wrong tree.

2. Build a Relationship with Your Lender. Here’s where Arizona Hard Money Loans differ from the behemoth banks — they work with private funds and they’re usually smaller operations. This works to your advantage and here’s why. You can sit down with a Arizona Hard Money Lender and make a case for your investment. You and your lender can establish a relationship of trust and mutual gain, so he or she might not just reject your case based solely on numbers.

3. Have a Strong Background. While Arizona Hard Money Loans are less concerned with credit scores and past mistakes than banks, they also want to see that you’ve handled yourself well in the past. For instance, if you want to do a fix and flip, they might want to know that you’ve done it successfully before. Also, if you’ve worked with the lender before, he or she may be more inclined to take a risk.

What About 100 Percent for Rehab Expenses?

Getting 100 LTV might be a tall order, but some Arizona Hard Money Loans are willing to go 90% on as-is values and up to 100% on rehab costs. Of course, not every investor gets these terms. Like we’ve detailed above, you may need to have solid collateral, a good budget and a workable plan.

Finding a Hard Money Lender in Arizona

Level 4 Funding has decades of experience with hard money lending. If you’re looking for a 100 LTV Arizona Hard Money Loan, give us a call today!



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 New Builders Struggle to Get Arizona Spec Home Financing (And What You Can Do About It)

Even if you have experience as a sub-contractor, making that first step into self-employment and running your own projects can be a challenge, particularly when it comes to getting funding. The good news is, you may still qualify for Arizona Spec Home Financing regardless of whether you’ve already been denied by the banks.

To start with the basics, speculative builds are those constructed without a specific buyer in mind. You may have chosen an area where houses are selling like hotcakes and have a high degree of certainty that someone will purchase it as soon as it’s ready, or even show interest during the build, but no buyer or homeowner is involved in the process. It’s you and your team handling construction. You make all the calls related to features the property has, from the flooring to the fixtures.

This makes speculative projects a dream for many builders, but when they hit the point where they’re looking for Arizona Spec Home Financing, they come up against serious roadblocks. That’s because they usually attempt to secure funding from the typical channels, and it simply doesn’t work.

Banks are the typical first go-to. Many no longer work in the speculative arena at all, but when they do, they usually require you to have quite a bit of equity in the project and only lend on small projects, plus have stringent requirements for experience and credit. Lines of credit tend to be the next line of defense. You can, in theory, finance a whole project using a line of credit. However, this typically requires impeccable credit. Lastly, equity is an option. This means leveraging properties you already own. If you aren’t a seasoned investor, however, this means putting your own home on the line, provided you own it outright.

Private Money Can Help You When Other Options Fail

Private money isn’t like the other options. It typically comes from individual investors, groups of investors who pool their money together, or organizations. It’s designed to fill the lending gap, but what it really does is create a win-win solution for everyone. The individual investors do earn money on the deal, as opposed to feeding the banks, and you get the Arizona Spec Home Financing you need as well. Because private money isn’t subject to the same regulations, you can qualify regardless of your credit score and you don’t need to put your family’s house on the line either.

You can increase your eligibility by taking a few small steps.

So, if private investors aren’t expecting the same things as the banks, what do you need to qualify for Arizona Spec Home Financing? In short, a good property, solid plans, strong numbers, and experience. Three of those things are totally within your control. However, if this is the first project you’re running on your own, you may want to bring on a partner who has a successful track record. No doubt, you’ll find you’re running projects and qualifying entirely on your own in no time.



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 4 Things to Consider: Custom vs. Arizona Spec Home Financing & More

Custom and Arizona Spec Home Financing is one of the primary concerns for builders deciding which route to go, but there are many factors which weigh into the decision. Learn pros and cons of each to decide which is right for you.

1. Debt and loans. To start with the basics, a custom house is one built with a specific buyer in mind. The individual is requesting that you build the house on their behalf. As such, they’re responsible for securing the funding. However, your credit and financials are often required by their lending company. There are some exceptions to this. For example, large builders who own the land and/or are building out multiple houses at once will sometimes finance the build, though they’re the exception rather than the rule. When it comes to speculative properties, or specs, it’s all on you. You don’t have a buyer yet. Ergo, finding and qualifying for Arizona Spec Home Financing is totally on you.

2. Fiscal management. In either case, funds are usually disbursed as draws. As you reach specific stages of the build, money is released. However, if you’re working in speculative builds, it’s on you and your team to meet deadlines. With custom builds, you’re also reliant on the homeowner to make decisions throughout the process, which can delay milestones and payments. In these cases, you may have to secure your own financing to cover materials, sub-contractors, and other expenses while you wait for payment.

3. Decision-making. As a custom builder, you’re working with people who have likely never built a house before and this will be the biggest investment they ever make. Some may want to be involved in every decision, change their minds repeatedly, or reject work that’s been done. As such, you’ll need top-tier people and communication skills to keep things moving forward without issues. With speculative properties, the decisions start and end with you.

4. Exit. The nice thing about custom options is that you already have a buyer. The exit is natural. When you’re done building and collect your last payment, you’re done. When you work with speculative properties, you don’t have a buyer. There’s always some chance you’ll get stuck with a completed house and nobody to take it. In these cases, you may need to convert your Arizona Spec Home Financing into a loan with longer term, lower the price to attract buyers, hold it as a rental, or come up with alternate ideas to facilitate your exit.

With Custom Builds, Complaints Surround People Issues

Hands-down, the biggest complaints builders have surrounding custom builds relate to the people involved. There may be dueling spouses with different ideas on how to approach something or challenges which arise. As the builder, you may have the solution in mind within minutes, but you can get stuck waiting days or weeks while the homeowners and architect get on board and then wait even longer for clearance and/ or permits.

Speculative builders avoid people-related headaches but need specialized funding.

Given that you’re at the helm for a speculative build, people issues and delays caused by having many cooks in the kitchen are not an issue. However, you will be responsible for finding your own Arizona Spec Home Financing, and banks don’t usually like to fund these deals. The good news is, Arizona Hard Money Lenders do. Ergo, you can get started working your own projects, even if you don’t have a nest egg to draw from or great credit.



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 Regulations Make Arizona Private Money Lenders Better Than a 203K

Banks don’t usually like to lend when a property needs serious repairs, so the government created the FHA 203(k) loan to help. However, once you know all the regulations and red tape which come with this program, you might find yourself turning to Arizona Private Money Lenders instead.

Before getting into Arizona Private Money Lenders, let’s start by breaking down the FHA 203(k) loan. This is a program overseen by the Federal Housing Administration (FHA), which is part of the Department of Housing and Urban Development (HUD). Programs like the 203(k) exist to spur development. Each one works a little differently, but the general goal is to put home ownership within reach for more people and protect consumers.

When people talk about an FHA loan, the FHA isn’t actually supplying the mortgage. They’re providing insurance, which gives lenders an added layer of security. That way, if the homeowner stops paying his mortgage, the lender isn’t out the money; the loan is insured. However, the FHA is not covering the costs associated with it. Homeowners pay an upfront fee and then have monthly fees for as long as they have the insurance. On average, it works out to a little under $100 per month.

Properties with a lot of problems, especially those with structural issues or damage to major systems—think roofs, air conditioning, electrical, and so forth—don’t generally qualify for any kind of bank loan at all. Furthermore, most programs aren’t designed to handle even basic renovations as part of a mortgage. You can only qualify for a percentage of the current value of the property.

This is why the FHA 203(k) is actually beneficial. It’s not a bad program. It lets homeowners get up to 110% of the value to the property after repairs. There are other neat little perks associated with it too, like the ability to put down less money, the potential to borrow enough to cover mortgage payments for several months, and flexible terms.

Beware: The FHA 203K is not as great as it seems

Like any financial product, the 203(k) has some pitfalls and it doesn’t work in every situation. For example, there is an “owner-occupied” stipulation, which means you can’t use the program if you’re an investor or don’t plan to live in the home more than half the time. Closing on the loan can take six months or more as well, which makes it difficult to jump on a good deal. The standard 203(k) further requires you to hire a construction consultant and licensed contractors must carry out all work. You are not allowed to do any DIY. You’ll also need good credit to qualify. It’s stipulations like these which send people in the direction of Arizona Private Money Lenders.

When you know the pitfalls, it’s easy to see which loan is right for you.

Arizona Private Money Lenders don’t have the same rules. If you’ve got rotten credit, don’t plan to live in the home, want to close in days rather than months, and plan to use your own sweat equity, alternative lending may be your best. If you’re one of the many people 203(k) falls short for, speak with an experienced broker about 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

Why Texas Hard Money Lenders Help When an SBA 504 Doesn’t

Government programs can make getting funding easier for some business owners, but they don’t work in every situation. If you’ve been looking at an SBA 504 loan, but don’t qualify, Texas Hard Money Lenders can still help.

Before getting into how Texas Hard Money Lenders work, and how they can help, let’s explore the SBA 504 loan. This is one of many programs offered by the government, namely the Small Business Association (SBA), and it’s specifically designed to help business owners. The loans can only be used on fixed assets, such as buying land, construction, improving a property, purchasing equipment, and refinancing debt that was generated as the result of purchasing a fixed asset. They cannot be used toward things like rental or speculative properties, marketing expenses, materials, or held as working capital.

The way financing works under this program, the business owner typically provides 10% of the money needed, a bank provides 50%, and a community development company (CDC) provides the other 40%. CDCs are non-profit organizations certified by the SBA. There are hundreds of them throughout the country.

This loan program exists to spur economic growth and create new jobs. Ergo, your business cannot be worth more than $15 million, you cannot have earned more than an average of $5 million in either of the two years prior to your application, and the project size must be greater than your personal assets. There are further stipulations too. For example, you need to plan to occupy the space at least 51% of the time and you (as the business owner) must be a US citizen or permanent resident or the majority of your company must be held by Americans/ permanent residents. Having good credit is typically required as well.

The Regulations Associated with the SBA 504 Loan Disqualify Many Business Owners

Even though the SBA 504 loan helps many business owners, it doesn’t work for those who need cash for fix-and-flips, those who want to use their property as a rental, or those who work in specific industries, like cannabis. Furthermore, it doesn’t work for new immigrants or those hoping to invest in American land from overseas, and people with rotten credit are disqualified too. However, if an SBA 504 loan doesn’t work for you, you can still get help from Texas Hard Money Lenders.

Increase your eligibility for a loan by talking to an HML broker.

At the end of the day, Texas Hard Money Lenders don’t care if you’re an American or not. You can qualify even if you have rotten credit. It doesn’t matter if you earned $50,000 last year or $50 million. You can use the funds toward the purchase of properties you plan to rent out and toward speculative properties. Why is this? In short, they care more about the value of the property you’re purchasing and your ability to generate profit than anything else. If you’re one of the many who don’t fit in the SBA 504 box, speak with a broker about alternative lending options.



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 4 Real Income Opportunities Arizona Hard Money Lenders Help With

Have you heard that Arizona Hard Money Lenders can help you work from home or empower you to create your dream job? They can and they do, especially if you’re interested in working in one of these top four fields.

1. Fix-and-flips. You’ve probably seen the reality TV shows about flippers and home rehabbers. What you don’t see on screen is how the funding works. Most of the time, people get the funds to purchase the property and/or cover the cost of fixing up the home from Arizona Hard Money Lenders. In this fast-paced field, you’ll purchase a home (hopefully for far less than it’s worth), repair it, and sell it, all within a matter of months. A typical project may conclude in as little as three, while more expansive ones can take six or more.

2. Buy-and-holds. With buy-and-holds, the investor purchases with the intent to keep the space and rent it out over a period of time; usually five years or more. Oftentimes, the investor picks a property that needs some help before it’s ready to be rented out. With a bit of sweat equity into it, value increases dramatically—a boon when it’s time to sell or refinance.

3. Airbnb and other vacation rentals. Although the boom caused by Airbnb may have initially been caused by people renting out extra space in their primary residence or subletting their vacation homes, the field has changed dramatically. Nowadays, people purchase homes and condos with the intent to use it as an Airbnb rental or similar. Many have entire portfolios of short-term rentals and vacation homes.

4. Commercial real estate. Got a business idea, but no cash to purchase the property? Banks can sometimes help with this, but they don’t issue a whole lot of approvals, particularly if you don’t have a strong business track record, have rotten credit, or are working in a sector like the cannabis industry. The good news is, if you’ve got a solid business plan and choose the right property, alternative lending may be the ideal solution.

There are Many Benefits to Using Alternative Lending

Curious to know why Arizona Hard Money Lenders are associated with these particular niches? As mentioned earlier, banks don’t fund all business opportunities. In fact, they provide full funding only a small fraction of the time. People also turn to alternative lending when they need to get funded very quickly or if the property they’re considering purchasing is in ill repair. Sometimes, alternative lending is ideal to get something off the ground as well. In these cases, the business owner refinances later when he or she has a proven track record and has demonstrated the concept produces a steady income stream.

If you can dream it, you can make it happen.

Many people don’t realize how many financing options are out there. They have big dreams, but then approach a bank, discover they won’t qualify, and continue the daily grind. However, if you have a dream for a better life, either as a full transition or hope to start up a side business, Texas Hard Money Lenders can get you the cash you need to get started.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

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

111 Congress Ave | Austin | Texas | 78701  

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

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

How to Evaluate GRM & Cap Rate When Securing Texas Hard Money Loans

If you’re using Texas Hard Money Loans toward the purchase of a rental property, understanding GRM and cap rates is essential. Though they measure slightly different things, both can help indicate what the overall profitability of the project will be.

Securing Texas Hard Money Loans may be easier than traditional financing options, but lenders are still concerned about protecting their investments. Of course, profitability matters to you as well, which is why you should be familiar with your own GRM and cap rate numbers before getting to the financing stage.

Cap rate, which is short for “capitalization rate,” is the ratio of net income generated from a property against its purchase price. Let’s say you’re purchasing a single-family home and charging the tenants $1,000 per month to rent it. Your annual gross income is $1,000 x 12 or $12,000. For the purpose of cap rate, however, you’ll need your net income, which means subtracting all fees from the initial total. This includes everything from property management through insurance and taxes. If, for example, those fees come out to $3,000 annually, your net income is $12,000 – $3,000 or $9,000. Under this example, we’ll say you paid $100,000 for the home. To calculate cap rate, you’ll use the formula $9,000 (net income) / $100,000 (purchase price) = 0.09, which is a 9% cap rate. It’s also worth noting that if you’re operating a multi-family property with other revenue sources besides rent, such as laundry facilities, a game room, or vending machines, the revenue should be added to your income and the expenses of maintaining them should be deducted with your costs.

GRM, which is short for “gross rent multiplier,” is a straightforward formula. You simply divide the sales price by the annual gross rents. Let’s use the same numbers as before; you purchase a $100,000 home and rent it for $1,000 per month or $12,000 per year. The formula is $100,000 (sales price) / $12,000 (annual gross rent) = 8.33. It will take 8.33 years for the property to pay for itself. GRM can also be used backwards. If, for example, you know a good GRM is 5, then you can calculate how much to charge for rent or how much to try to talk down the seller when you’re striking a deal.

Learn the Benefits and Pitfalls of GRM and Cap Rates

It’s important to note that there’s no universal ideal GRM or cap rate. It’s location specific and varies based upon the type of property as well as other factors. That said, cap rates can be helpful when choosing between two properties and, if you know your area’s average GRM and cap rate, you can identify if a purchase is a good deal or not. Although you won’t always be asked for these numbers when you apply for Texas Hard Money Loans, you will likely be asked to provide rental income information and details about the costs, which ultimately gets extrapolated into these figures for the purpose of evaluating the risk of the loan.

Remember: if you’re evaluating properties, your calculations are only as good as the numbers you start with.

As the old saying goes, “garbage in, garbage out.” Particularly when you’re dealing with detailed numbers like net income, you’ll need to dig deep to ensure they’re accurate. You’ll also need to have solid comps when evaluating rental income too. Double check these numbers or have someone with experience crunch them before you apply for Texas Hard Money Loans or make offers on any given property.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

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

111 Congress Ave | Austin | Texas | 78701  

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

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

How to Stretch Your Hard Money Loans When Marketing Properties

Most people think about how to stretch Arizona Hard Money Loans in terms of revamping a property. However, in certain niches, crafting and maximizing a marketing budget is essential too.

Realistically, not everyone who leverages Arizona Hard Money Loans for their fix-and-flip projects or spec homes will need to market that property. A few folks, either by luck or savvy locale choices, will garner interest in the property even before it’s complete simply by being present and active. Some chat up neighbors while they’re on site and others place a sign in front of the home letting people know when it will be available and who to contact. Leaving flyers outside the property for people to pick up is helpful too. However, those working in suburban and rural areas don’t have the same benefit of foot traffic and, as the value of the project goes up, the behavior of buyers changes too. Ergo, if you’re working on high-end projects, you’ll almost certainly require a marketing campaign.

The question then becomes how to market the property on a shoestring budget and how to minimize the time between finishing the project and closing on your sale. One technique is to finish the exterior of the home first. From there, you’ll be able to snap photos and get the home listed in newspapers or online ads. Mailing postcards to people in the area may be beneficial too. Oftentimes, current residents have friends and family members who would like to relocate to the area. This can also help you build up rapport with the neighbors who sometimes offer tips for future projects or request information on similar properties.

Harness the Power of Digital and Work at Home

If you’re using Arizona Hard Money Loans to fund some of your marketing efforts, free and cheap options are even better. For that, the Internet is golden. Run searches for neighborhood websites or local groups on Facebook. Maintain a list of people who have made inquiries on this and other properties and send out emails. You may also be able to purchase email lists specific to the zip code you’re working in. Once repairs are complete, you can save time and money by creating virtual tours, which let potential buyers know exactly what the property’s like without ever setting foot inside. The tour can be listed on real estate sites or, if you’re particularly tech savvy, can be placed on a dedicated website which gets updated as the project progresses to build up hype.

Get advice from real estate agents and develop a strong network.

Connecting with real estate agents, brokers, and others in the field can be beneficial too. Even those you’ve sourced your Arizona Hard Money Loans from may know of potential buyers. Consider hosting an open house or event to connect with others in the industry—not just for this single project, but as part of an ongoing strategy. Send them information about deals and customers who may need their services, and chances are they’ll do the same for you.



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