Category Archives: Uncategorized

WHY USE AN ARIZONA BRIDGE LOAN?

A Arizona Bridge Loan is a loan that a borrower takes out against their property to finance the purchase of a new property.

A Arizona Bridge Loan is also known as a swing loan, gap financing or interim financing. They are typically taken out when a borrower is upgrading into a bigger home but their current home hasn’t sold. It literally “bridges” the gap between the time the old home is sold and the new home is purchased. Another way people deal with these situations is when a seller agrees to a contingency. But, many times the seller won’t agree to the contingency; a contingency is a contract that allows the buyer to agree to terms if certain actions occur. When a seller won’t agree to a contingency a Arizona Bridge Loan comes into play. The buyer is able to purchase the new property before the old property is sold. In a competitive housing market bridge loans become very useful for a borrower.

HOW DO BRIDGE LOANS WORK?

If a borrower currently has property up for sale, but wants to buy new property, knowing that the money from the current property they own will be paying for the new property, they would take out a bridge loan. It helps finance a new purchase so that property can be purchased before the sale of the old one. A Arizona Bridge Loan will pay off all existing liens and will use the excess funds as a down payment for the new property. Usually what this means is that you won’t make a payment on your Arizona Bridge Loan before your old property sells—instead you will be able to continue making payments on your current mortgage. Once, your old house sells you will use that money to pay off the bridge loan. These loans are usually the most popular when the housing market is hot; because there is so much competition for homes and sellers usually don’t have to agree to contingencies to sell their property. Bridge loans can be any size. Bridge loans are generally given through private money lenders, commonly called hard money lenders, who have more flexibility than banks and conventional loans.

Hard money lenders will work with borrowers looking for a bridge loan. But, how does this work?

Hard money lenders secure short-term loans by property. Since there are assets securing the loan, a high credit score is not necessary for approval of the loan. Hard money lenders will structure repayment and property repayment terms that are beneficial to both the borrower and the lender. Because hard money lenders do not have to adhere to the same requirements as banks there is much more flexibility in terms of the loan. Borrowers can choose to repay the loan before permanent financing is secured or after. Lenders will range in interest rates—generally between 7% and 15%. However, all bridge loans are short-term; ranging from six months to twelve months.



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

ALL ABOUT ARIZONA HARD MONEY LENDERS

You’ve heard about them—but what exactly is the 411 on Arizona hard money lenders? What is the difference between hard money lenders and bank lenders? What is the purpose of Arizona HARD MONEY LENDING? And, when would a borrower use a hard money lender?

Arizona Hard money lenders are investors who make loans that are secured by real estate. Typically, the interest rates are higher than conventional bank loans—however, hard money lenders will approve loans that most banks won’t. Their process is simpler and requires less paperwork than banks. The best part—funding generally happens within two weeks.

There are many differences between Arizona hard money lenders and bank lenders. The main difference is hard money lenders fund more quickly—with less requirements than banks. Hard money lenders are asset-based lenders—meaning their focus is on collateral, unlike banks that require excellent credit, consistent monthly income and assets.

If a borrower defaults on the loan the hard money lenders will foreclose on the borrower’s property in place of repayment of the loan.

WHY DO WE NEED ARIZONA HARD MONEY LENDERS?

All types of borrowers use Arizona Hard Money Loans. Even developers with strong credit, who would normally gain approval from a bank, choose Arizona Hard Money Loans over conventional loans. There are many situations where it makes more sense to use a hard money lender.

* An investor needs a quick closing and banks cannot fund quick enough.

* When an investor has an investment opportunity but does not have what is required to get bank approval.

* When a borrower only needs the loan for a short period of time and does not want to be penalized for early payment

* When a borrower is approved by a bank loan or line of credit—but needs more than what they are approved for.

Basically, if an investor finds opportunity and needs funding quickly or the investor cannot get bank approval, a hard money loan can help them generate a handsome profit or savings.

Arizona Hard Money Loans are also called private money loans, short-term loans, Arizona FIX AND FLIP LOANs, asset-based loans and bridge loans.

Advantages of Arizona Hard Money Loans are the reliability, quick funding, structure and flexible underwriting.



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

WHAT YOU SHOULD KNOW ABOUT RENTAL PROPERTY LOANS

If you think getting a loan for an investment property will be as easy as it was when you got your mortgage—you’re wrong.

Buying an investment property loans in Arizona for a rental home is a fantastic way to add income—however, the problem lies in approval for that loan. Lenders are much more strict in their underwriting when it comes to investment properties. This is because borrowers will default much quicker on an investment property loans in Arizona than they will on their home.

If you are new to real estate investing there are a few things you need to know about the difference in an investment loan from a primary home mortgage. If you are planning on obtaining conventional financing then plan on putting down a minimum of 20% of the purchase price. The more you can put on a down payment the lower your interest rates and fees may be. You can also expect to add between 1-3 more percentage points than an owner-occupied loan. Your credit score is of utmost importance to the lender, as well. Banks like to see at least a 750 FICO score—anything lower than that, expect higher interest rates. Your loan option pool will become smaller depending on how many mortgages you have on your credit report. In fact, once you have four mortgages on your credit, conventional lenders won’t fund you anymore.

RENTAL PROPERTY LOAN OPTIONS

Conventional Bank Loans— This is a loan that conforms to guidelines established by Fannie Mae and Freddie Mac—these are the strictest of guidelines in the lending business. While equity builds faster because a higher down payment is required up front—the higher down payment makes it quite difficult for newbie investors.

Small Banks/Credit Unions— You will work with a small lender that will keep your loan in-house instead of selling it to an investor. These institutions will be more willing to finance to drive investment in your area—but, many won’t lend outside of your geographic area.

Owner-Occupant— Purchasing as an owner-occupant means you will buy a property with more than one unit and you will reside in one of the units. In this scenario you may be able to get better loan terms and interest rates because, in essence, it is your home— however, a conventional loan will require a minimum of six months of reserves and most lenders want twelve months.

Hard Money LendersHard money lenders are an asset-based loan where a borrower receives funds secured by property. Hard money lenders are private investors or companies. A borrower can negotiate a deal because there are no set lending requirements—qualification process is simpler and less time consuming than other lenders and there may be lower closing costs associated with the loan. Most of these loans are short-term, but can be refinanced.

When it comes to financing for an investment property loans in Arizona a conventional bank is usually not the answer.

Rental real estate can put you on the path to achieving wealth. Successful real estate investors know that the type of lender you choose is as important as the property you choose—choose wisely!



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

WHO ARE PRIVATE MONEY LENDERS IN ARIZONA RIGHT FOR?

Private money lenders in Arizona are often referred to as hard money lenders. They are non-institutional lenders that issue short-term loans for the purchase and or renovation of an investment property. They are right for numerous types of borrowers.

Historically, fix and flippers used private money lenders in Arizona more than other borrowers. Due to the short turn around of Arizona FIX AND FLIP LOANs, private lenders generally funded these types of projects. However, private money lenders in Arizona are also useful for other borrowers.

1. Long-term investors who don’t qualify for a conventional mortgage. These investors can use a private money loan and refinance once they meet the strict qualifications of banks.

2. Fix and Flippers who are looking to purchase, rehab and sell the property quickly—ideally, within one year.

3. Investors who need financing quickly—private money lenders generally fund within two weeks.

4. Airbnb investors who can’t qualify for a conventional loan.

PRIVATE MONEY LENDER IN ARIZONA INTEREST RATES AND TERMS

Private money lenders rates and terms can vary. Typically, the maximum loan amount is up to 90% LTV and up to 80% ARV. You can be approved for 100% financing—but, generally the down payment is up to 10%+ of LTV and up to 20%+ of ARV. Interest rates can vary widely—usually they are between 7% and 15%; and lender fees are around 1.5-10 points. The interest on a private money loan is assessed as interest-only—the borrower pays monthly interest payments throughout the loan term and makes a full repayment at the end of the loan. Depending on the lender there can be prepayment penalties— but most lenders do not impose these penalties.

The typical loan term is between one and three years; however, they can be as short as six months and as long as five years. Private money lenders can give you approval in as little as five minutes and funding usually occurs within two weeks. Credit scores are not as important because the loan is backed by the property. Because private money lenders do not adhere to conventional bank loan requirements they are generally very flexible in their lending terms.

What are the important qualifications in a private money lender in Arizona?

Look for a lender who has experience—the more deals they have done, the better. This information is usually found on their website. Private money lenders often specialize in specific areas of real estate and it will serve a borrower best if they use a lender that specializes in the type of property they are seeking financing. As stated earlier, private money lender rates vary. Find a lender with the lowest rates and easiest terms for your situation. There are plenty of lenders that do not impose prepayment penalties—make sure the lender you choose doesn’t have those penalties. The bottom line is there are different lenders for different borrowers—find the lender that works best for your specific purchase.



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

THE REAL DEAL ON ARIZONA HARD MONEY LOANS

Simply put, a hard money loan is a loan back by the value of the property versus the credit and income of the borrower. The property itself is used as protection against default by the borrower.

Arizona Hard Money Lenders are private individuals that see value in potentially risky ventures that traditional lenders are not willing to risk. These loans are a financing tool that every real estate investor should keep in mind.

Arizona Hard Money Loans have fast loan approvals and funding. Perfect credit scores and income history are not necessary to gain funding on Arizona Hard Money Loans. While conventional bank lenders are known to for their rigid rules and regulations, Arizona Hard Money Lenders are allowed to be more flexible in their loan terms because they don’t have to follow federal guidelines as banks are required to do.

HOW TO GET AN ARIZONA HARD MONEY LOAN

1. Research Arizona Hard Money Lenders in your area. Make sure the lender has a legitimate web site—be sure they will not just collect your information and pass it on to a third-party. Check that the lender doesn’t have any pending or former law suits from investors. Find out what types of projects the lender has financed previously. You want to make sure this lender will be interested in the type of project you are proposing.

2. Evaluate your time frameArizona Hard Money Lenders are able to generate funds within two weeks or less. Do you need funding immediately? A hard money lender will make that happen; while a traditional lender can take months to grant the loan.

3. Apply for the loan— Unlike a conventional loan—in a hard money loan you are financed on the collateral value of the property instead of your FICO score. That will require you to present certain documents—such as a detailed budget for construction, repairs and renovations. You will also need to prove the value of the neighborhood and the property—comps are sale prices of the neighboring homes and the lender will need to see those, as well.

4. Check for additional fees—Review the loan terms. Arizona Hard Money Lenders are not subjected to the regulations that banks are, so be sure you are protected legally. Be clear on all fees—if your lender does not disclose any fees that will be included in the loan that is a red flag. Make sure you are given a detailed repayment schedule—this will include how much interest will be accrued and how much of your payment will go towards the interest.

After you choose a Hard Money Lender and are approved it is imperative you move swiftly on your investment.

During the project you will only be required to pay interest. The balance of the loan is due at the end of the loan term. Arizona Hard Money Lenders do not typically impose prepayment penalties. The faster you complete your project—the quicker you can pay off your loan. There are so many benefits to a hard money loan—quick financing, flexible loan terms and asset based backing instead of personal credit history.



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

ARIZONA SPEC LOAN FINANCING

An ARIZONA SPEC LOAN is the term used for a loan on a speculative property. It falls under the umbrella of construction loans.

Investors require funding when it comes to speculative property. It is speculative because the property has not been built yet. The builder and investor are speculating they will sell the property and make a profit.

Typically, banks do not lend for speculation properties. Unlike banks, Arizona Hard Money Lenders are eager to fund such deals. Hard money lender’s loan periods are shorter and they are able to adjust to market conditions therefore gradually developing their loans to match market trends. Today’s market is low inventory and high demand. If your speculative project fits the requirements it is a perfect time to work with a hard money lender.

BENEFITS OF A HARD MONEY ARIZONA SPEC LOAN

Choosing a hard money loan has many benefits. The loan isn’t paid in full until the construction is complete. During construction you will only be required pay interest only. The balance of the loan is done at the end of construction or the loan term. Arizona Hard Money Lenders have more flexible terms. Although, it will be necessary to provide your lender with all the specifics of your project—they have much more flexibility in terms of loan terms and guidelines than a traditional bank loan does. The lender will work the loan terms around the needs of the project.

Not only will a hard money lender be more flexible with the lending terms on a ARIZONA SPEC LOAN; they are more flexible with approval than traditional loans. Because a hard money loan is backed by assets, a borrower’s credit is not as important. While traditional lenders base approval on a borrower’s credit score and monthly income— a hard money lender bases the approval on the borrower’s hard assets. If the borrower defaults on the loan the lender will foreclose on the property.

There are some things investors must know when choosing to be involved in spec home financing.

Building on speculation requires that the investor has strong understanding of the local housing market. The spec home must sell after construction and the lender must feel confident about this before proceeding with approval. Some factors the investor must have thorough knowledge are:

1. The local job market

2. Housing prices in the area

3. Home absorption rate

4. Surrounding infrastructures and amenities

Spec houses are never guaranteed to sell. However, to receive funding the lender must be confident that the house has a high probability of being sold. They will not risk building a home that doesn’t meet the needs of the local buyers. The key is to be sure to make the home generic enough that it appeals to as many buyers as possible.



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

WHAT IS A ARIZONA FIX AND FLIP LOAN

If you’ve watched shows like Fixer Upper or Flip or Flop on HGTV you’ll see why house flipping is all the rage. Watch just a few episodes and you will see how flipping houses can turn into a formidable profit.

An Arizona FIX AND FLIP LOAN is a type of loan where the borrower receives funds secured by the value of the property. These loans do not follow traditional financing. Financing is collateralized by the foreclosure of the property for which the loan is being made.

There are two components to fix and flips—literally to fix and to flip. An investor purchases distressed property below market value. Then, the property is rehabbed by making repairs and improvements— therefore increasing the value of the property. After renovation the goal is to sell it for a profit in a reasonably short time.

HOW ARIZONA FIX AND FLIP LOANS WORK

Every fix and flip starts with finding the property. Once you find the property you must figure out how to finance your project. There are four parts of your house flip that you will need to finance:

1. The purchase price of the property

2. The holding cost of the property

3. Materials for the rehab (and labor if you are not doing this alone)

4. Closing costs

The first thing you need to know is that you won’t be getting a traditional bank loan. The distressed properties do not meet FHA guideline and therefore do not qualify for traditional financing. So, very rarely are banks involved in Arizona FIX AND FLIP LOANs. Private money lenders generally finance Arizona FIX AND FLIP LOANs. The interest rate is higher than a conventional property loans due to the risks involved in financing the renovation and the expeditious turn around time.

WHAT TO DO BEFORE APPLYING FOR THE ARIZONA FIX AND FLIP LOAN

1. Create a business plan— this will include the address of the property, comps (sale prices for comparable homes in the same general area), financial projections, an appraiser’s current valuation of the property and a back-up plan just in case the renovation doesn’t go according to plan).

2. Estimate renovation costs— many flippers don’t borrow enough money—and that can easily lead straight to disaster. To make sure this doesn’t happen create a scope of work. This is a detailed outline of any repairs needed, the cost of the repairs and the timeline. This is where you will need an appraiser and contractor’s help. Both will work together to give you a quote and a timeline. It is imperative that you account for unknown issues that will arise. The scope of work will contain two very important numbers—the loan-to-value (LTV) and the after-repair-value (ARV). The LTV is a comparison of your loan size to the value of the property; an ARV is the estimate of the property after renovations are complete.

FINDING THE HARD MONEY LENDER

There are numerous options for finding funding on a Arizona FIX AND FLIP LOAN. Some possibilities are personal loans, lines of credit, using your retirement or a silent partner. However, most real estate investors know a hard money lender is the easiest and most straight forward lender. Arizona Hard Money Loans are from private investors or individuals. There are lower qualification requirements and both approval and funding happens in less than two weeks. These lenders are invested in your success. This is an investment for them as much as it is for the borrower.

Many people are finding success through Arizona FIX AND FLIP LOANs. It doesn’t require the borrower to have great credit or even a down payment. It involves strategy and determination—along with a disciplined work ethic.

Flipping houses can be a full or part-time job. The good thing about flipping houses is you don’t need a ton of start-up money or a great FICO score. It is a gratifying experience and your wallet will thank you for the experience.



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

3 Traits of Successful Investors Getting an Arizona Hard Money Loans

Receiving your Arizona Hard Money Loans is only half the battle. You have to be a savvy investor to make the right decisions to maximize your return on investment. Here are 3 traits successful investors share.

Arizona Hard money loans can be the first step to becoming a successful investor because, of course, you need cash! But if you don’t know what to do with that cash, you can run into some roadblocks that will keep you from reaching your investment potential. Here are 3 traits of successful investors that I’ve noticed in my years of working in Arizona hard money loans.

A Competitive Nature

If you’re taking a Arizona Hard Money Loan to purchase a fix and flip property, you’re going to need to go for it quickly and with gusto! If you aren’t ready to bid against other investors, do what it takes to get the right property, and market that flipped property to sell, then your investment won’t bring in as much money as the next guy. A competitive nature will push you to do more, and more importantly, make more!

Obsessive Organization

You’re going to need to build up quite the portfolio of investment information and if you aren’t well organized, you can kiss that information goodbye! Your investment network will include some realtors, other investors, hard money lenders, and contractors, and I will tell you now that they will not want to work with someone who is unorganized. It will save you money and ensure your network knows you’re someone they can rely on.

They Have a Level Head, Even in Crisis

The fact is that not all investments go according to plan, but the best way to make sure it fails is to lose your cool in tense situations. If you panic chances are you’re going to make mistakes and the investment may lose its potential for return. Knowing how to deal with issues when they arise, and doing so with a calm and collected attitude, will keep your investments from hitting the point of no return. Prepare for issues and handle them accordingly if, or when, they arise.

I will share more traits of successful people in the future, but these three are the ones I’ve seen the most in my clients of Arizona hard money loans. Phoenix is chalk full of investors, but success is determined by your ability to make the most of opportunity and not allow problems to throw you off track.

Give us a call at Setabay LLC if you want to discover how you can make quicker, bigger investments by having fast capital.



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

3 Reasons to Talk to a Arizona Hard Money Lender Today

Arizona Hard money lenders can sometime get a bad rap, but for the right type of investment, they’re just what the doctor ordered. Find out why!

I’m sure you’re familiar with the phrase, “You can’t believe everything you hear.” Have you ever had a friend tell you a movie is terrible only to see it months later, enjoy it, and wish you had seen it sooner? We’re trained to listen to rumors and information from people we know, but what if that information isn’t true? The same can be said for hard money lenders. In Phoenix, hard money lending is a staple for investors and I’m going to tell you three reasons why you should speak with a Arizona Hard Money Lender today!

Your Investment is Our Investment

When you’re applying for a loan with a Arizona hard money lender, we’re looking at the purchase with you. We want you to make a sound investment for a few reasons:

● Your success is our success – We don’t make our money back easily if you aren’t successful with your purchase using the hard money loan.

● Our loan depends on the value of your purchase – We base our loan amounts on the potential return.

● Collateral is everything – Because of our loan qualifications, your collateral is what speaks to your ability to pay back the loan.

We’ll Meet You More than Halfway

One of the best parts about a Arizona Hard Money Lender is that they will be flexible with you. Our loan qualification process isn’t set in stone so there’s some wiggle room for us to make sure you fit into the right loan and repayment schedule. We want to work with you as an individual, something traditional banks can’t always offer.

We Don’t Like to Say No

As stated above, your investment is our investment. That means we’re going to work to get you approved for your hard money loan. We don’t make money by sitting on it so making loans is our business. That means you have a higher chance of getting approved with us!

I know that taking out large loans can be daunting, but that’s why Arizona hard money lenders in Phoenix, like us, make sure to give all of the facts and figures to our clients so they can rest assured that they’re making the best investment choices. Give us a call and speak with one of our Arizona hard money lenders so you can realize your investment potential.



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

Tips to Be Successful in Fix and Flip Investment Property

Here are some tips to help you get started in the fix and flip arena. Keep these things in mind as you search for your first property.

There’s a learning curve for everything and Fix and Flip Investment in Arizona is no different. From finding the right home to selling the home after you’ve fixed it up, there are helpful tips that can keep you from some of the issues that first-time flippers run into.

Know Your Money

It’s easy to jump into a Fix and Flip Investment Property in Arizona and find yourself drowning in the expenses before you can even get it back on the market. What you need to do is have a good idea of what you can spend on the home so that you’re not overextending your capital. If you buy a home that costs too much you aren’t going to have enough to complete the renovations. Speaking with a Arizona Hard Money Lender can help you plan for just that and keep you from drowning in the costs of renovating. Don’t spend more than you can afford!

Act Fast

If you see the perfect property that has the potential for a fix and flip investment in Arizona and is in your price range where you’ll still have the money to renovate and cover the monthly expenses while you’re fix and flip, you need to make your move. Cheaper properties don’t last long and chances are you’ll be bidding against other cash offers. Know your max off you can make and still have the cash for renovations and the potential for your profit, and then make your offer quickly.

Look for Homes that Haven’t Sold

The easiest way to find a home that may accept a lower cash offer that will allow you to make the biggest profit is to look at the days it’s been listed. The longer it’s been there, the more likely they are to accept a lower cash offer. Fix and flip investments have to be based on what’s out there so that may be an older home that has no curb appeal, but that’s where you come in! Hard money lenders make it possible for you to make that quick, cash offer by giving you the capital up front and without the red tape of a traditional bank loan.

Once you start your fix and flip investment in Arizona you’ll have a good idea of what this process looks like and what you can expect as far as turn around and actually selling the home. But no matter how many times you’ve fixed and flipped, keep these tips in mind!



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