Tag Archives: Arizona hard money loans

The Facts About Arizona Rental Property Loans

iStock_000002338446_LargeGet more returns with Arizona Rental Property Loans.

First off, property investment attracts investors wanting to use funding from a bank, instead pulling an ungodly amount of cash out of pocket. Do you have to be a million or billionaire? No. Not at all. You just need to secure the funding and provide a percentage of cash down to protect a lender should a foreclosure occur. This is great! To start leasing, you do not have to fork out a fortune to buy a $200,000 home along with the added cost of renovations, marketing, and the works. Instead, you rely on a lender: an entity that evaluates value, equity, and risk in order to fund you, the investor.

Alright, you can get money from Arizona Rental Property Loans. So what. What does that get you? Well, “you gotta have money to make money,” and when it comes to property investment, you generally use Arizona Rental Property Loans to purchase real estate to build, fix real estate to sell, or renovate real estate to rent. If you have connections and experience with construction and contractors, building may be a viable option. If you are looking for a quick pop and a good return within a shorter period, flipping may be your niche. However, if you’re in the game for the long haul, if you want to build the next mecca of personal equity, or if you just want a steady trickle of cash from leasing, rental property is where it’s at.

Arizona Rental Property Loans allow for an individual to build equity by using profit from leasing to pay off debt. Equity is what you own: for example, you put down $35,000 to receive a loan of $65,000 at a certain interest rate. $35,000 is your equity in the property. The more you pay and the less you owe the lender, the greater your equity. Aside from paying off debt, renovation may increase the overall value of a property, worth of a debtor’s equity, and the price of rent.   

Arizona Rental Property Loans Create Long-Term Security

While constructing and flipping provide relatively quicker returns, investing in rental property may establish income via long-term renters. With a newly renovated property in a desirable area and at a market-conscious price, a landlord with a business knack can rake in consistent returns.

Build equity with Arizona Rental Property Loans.

Over time, investors hope to pay off the property. Owning property free and clear once again increases the returns. Should the market value of property rise, the owner is able to sell the property and reap the benefits of positive equity. If the owner chooses to continue leasing the property, he or she can then use the money to further invest and build more rentals, businesses, or savings.   


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

Earn More Money: Start an Airbnb Business in Arizona

825082878How an Airbnb Business in Arizona may let you tap into rental income.

In the beginning there were normal rental businesses, and normal rental businesses were the way to run things. Then God spoke. Airbnb emerged from the darkness, and its opportunities were good.

Ground control to Major Tom—analog is dead, digital is here to stay. Airbnb has overwhelmed the traditional rental methods. It is now worth roughly 24 billion dollars!! A fancy app, a clean UI, and a myriad of positive ratings have seduced users into booking low-cost, well-placed, and amenity-packed locations. Are you willing to harness its power and tap into the money? Wait? You can make money using another business? You could, say, purchase a conveniently located property and then, you know, rent it out on an app to people who want to stay there? Sure. You can just as many other people have.

So, how do you do it? Well, Arizona Hard Money Loans appear to be the answer to funding your side business because conventional lenders find property loans to be particularly risky. This is partly due to conventional lenders looking at short-term or vacation rentals as intermittent, with high, low, and uncertain cycles as compared to long-term, stable renters, considered a traditional source of income. Adding to the list, conventional lenders seem to fear the uncertainty of a new IT company dealing with property, the consistency of its users, and the duration of its product. A brave new world where banks have limited data, limited knowledge, and many federal restrictions on property loans and second mortgages. However, don’t let this stop you from earning your cut of a multi-billion-dollar industry. Opportunity is often found upon the frontier of a new industry. Hard money Airbnb Business in Arizona loans have helped many individuals into the industry. Renovate to rent and loans have become a profitable way to pay off mortgages, build equity, establish side income, or fund extended travel vacations.

Getting an Airbnb Business in Arizona Started

To start, do your homework. Study the areas that are best suited for an Airbnb Business in Arizona. Is it an urban or a rural area? Is it an area that is close to a lake, a beach, or a river? Research favorable areas, compare values of the properties, and search Airbnb’s app to find average bookings per property. Once you’ve crunched the numbers, read hours of articles, and hopefully talked to a few individuals in the industry, you probably will need a funding to get your idea up and running.

Get your Airbnb Business in Arizona up and going in no time!

Get a hard money loan. Find the hard money broker or lender that is right for you. During this phase, the desired property will need to be appraised. Afterwards, your lender will evaluate the property to determine equity, loan-to-value, interest, and period. With the terms, the lenders stipulations, and your portion of the equity in cash down, funding can be established quickly and efficiently. Start today. Level 4 Funding is here help you build your business. 

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

Dreams Come True with Arizona Fix and Flip Loans

How to invest in real estate with Arizona Fix and Flip Loans

Before applying for an Arizona Fix and Flip Loan, you need set a plan in motion. First, locate a property and analyze the surrounding neighborhood comparing the retail values of homes that have recently sold in the area. Put a number on how much the properties are worth. Afterwards, get an idea for how much the renovation of the property will cost. Does it need a new kitchen, a new roof, or exterior paint? What are all of the perceived costs? Once you have found a property that is profitable on paper, you need to factor in the costs of financing and other unforeseeable expenditures.

After setting out the basic blueprint, acquire lending. From lender to lender, note that the structure of Arizona Fix and Flip Loans may vary. Generally, hard money Arizona Fix and Flip Loans have an average LTV ranging between 55% to 80%. If you possess property with phenomenal positive equity or have property that you own outright, you may be able to qualify for Arizona Hard Money Loans of 90% and even up to 100% depending on lender stipulations. However, on average, you will need anywhere from 20% to 45% cash down to get a hard money loan. This shows the lender that you are committed and that you have the equity to buffer a foreclosure.

After establishing LTV, the next item on the list is the interest rate. For Arizona Fix and Flip Loans, you can expect lower interest rates to start around 8%. The average interest rates range from 8% to 14%. While these rates tend to be higher than traditional lenders, banks or credit unions, they are more easily acquired with less federal regulations. Making them a popular choice among many real estate investors.

The Advantages of Arizona Fix and Flip Loans 

One of the main advantages of hard money Arizona Fix and Flip Loans is that they allow individuals to receive a 40% to 50% return on investment with a minimum amount cash down or personal investment. On top of this, the return from flipping houses can be seen within a short amount of time, say 2 to 6 months, depending on the size and scale of the flip.

From entrepreneurs and hobbyists to celebrities, Arizona Fix and Flip Loans has helped many to profit from their investments.

From blue-collar workers to HGTV celebrities, flipping houses has become a lucrative business and hobby. For this reason, Arizona Fix and Flip Loans are able maintain a supplementary profit for the weekend warrior or bolster a business capable of flipping several houses a year. Contact your hard money broker to find out if Arizona Fix and Flip Loans are right 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

Can You Receive Loans to Flip Houses in Arizona?

userThings to consider when acquiring Loans to Flip Houses in Arizona. The who, what, where, when, and why.

So, you have set your sights set upon the potential lucre of flipping houses. Maybe you’ve watched enumerable hours of HGTV. Maybe you’ve seen your friend low-ball a house at auction, install a granite countertop, and landscape a backyard. A month later, after marketing the property on Facebook, he or she sells the property earning a 45% return. You like money. You covet the profits others have made, but you don’t quite know where to get the money to start. So, first, you use public real estate software to compare the houses in your area. Eventually pinpointing a lucrative area, you find a house that is a little run down but nestled within a good neighborhood. Based upon the photos, the general appearance, and a guided tour of the house, you calculate the expenses for purchase and the needed renovation.

You feel comfortable about the numbers and the possibility to make money. However, you need to find a company that provides Loans to Flip Houses in Arizona.  You do some research and find the main sources that fund house flipping:

  • Traditional banks or credit unions

  • Hard money

  • Friends or family

  • Out of pocket

A Helping Hand for Those in Need of Loans to Flip Houses in Arizona

Well, you are new to flipping, and have a limited credit history. That nixes traditional banking and its list of requirements. Your friends and family are living their own lives, and you do not dare pester them for money. Your personal savings are not as high as they once were, but high enough to establish a sturdy down payment. After a little more reading, you find that Arizona Hard Money Loans to Flip Houses in Arizona seem to be the best option regarding funding. All you need to do is locate a property that has good enough equity potential to secure a hard money loan.

Fulfilling dreams, Arizona Hard Money Loans to Flip Houses in Arizona have given new entrepreneurs the boost they need to enter into the real estate business and receive the profits they desire.

Upon researching local Arizona Hard Money Lenders and brokers in your area, you locate the funding help you need. As commonly offered to many people in the community, terms, LTV, cash down, interest, and stipulations are all conveniently arranged and explained by a local hard money agent. Boom. The power is yours. You now have the funding to start the business you’ve hoped for.


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

No Cash Down: Buy Property Using 100% LTV Arizona Hard Money Lenders


100% LTV Arizona Hard Money Lenders are here to help you get funded without putting any cash down!

“No money, no honey.” If you’ve dealt with financing in the past, you know the drill. Cash down is needed to settle the LTV and secure a loan. But what if there were an alternative to this plot? What if you could get approved with no cash down? Yes, that means securing a 100% LTV loan.   

Well, you can. Right now, 100% LTV Arizona Hard Money Lenders are willing fund individuals who own property free and clear or have homes with positive equity worth much more than the amount still owed. For example, say you own a house that is worth $160,0000 free and clear, and you want to purchase a house that is worth $200,0000 dollars without putting cash down. 100% LTV Arizona Hard Money Lenders are able to lend you $200,000 to purchase the house and count the $160,000-dollar house as the collateral securing the loan amount. These types of loans are nice because they allow you to use the value of a property you have acquired in order to fund more property.

But what if you don’t own a property free and clear, what if in the past you bought property that was worth $100,000 dollars? Currently, you owe $50,000 on the original amount, and the property has doubled in value to an amount of $200,000. In this case of favorable, positive equity, 100% LTV Arizona Hard Money Lenders are able to use the current value of the property to calculate and disburse funding.

Benefits offered by 100% LTV Money Lenders in Arizona

Though many individuals lack the types of property that make 100% LTV loans possible, there are still benefits to those who qualify for these kinds of loans. Mainly, 100% LTV Arizona Hard Money Lenders allow you to maintain that sweet cash flow. Don’t tie up your personal or your company’s cash when you can already use the real estate you have acquired. If you feel like it is the right decision, use your property to invest in new property.  

100% LTV Arizona Hard Money Lenders allow you to use your property to invest in new property.

Talk to your 100% LTV Hard Money Lender today to determine whether or not your property qualifies for the lending program. If it does, take into account the term of the loan, the interest rate, and the lenders stipulations, and make a decision that suits 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

How to Get Approved: Why Arizona Hard Money Loans Can Help You Get Funded

iStock_000002512608_ExtraSmall copy point calyx 9Arizona Hard Money Loans can build your credit score and get you back on your feet.

Welcome to—The Information Age—an era where the IRS, government, and banking system—even Facebook and Google—are keen at storing away personal data. Your credit score, social security number, and private information, as well as your most frequented websites and purchases, are all categorized within a vast array of databases. 

Like it or not, due to this, you are being judged based upon your data, and when it comes to getting a loan, most likely, you are being judged upon your credit history: good, bad, or ugly. While credit history may not concern an individual with flawless credit, it tends to concern individuals currently building, rebuilding, or acquiring it.

Frequently, people in need of loans want to form or bolster their own security. Despite this, a low credit score or a troublesome credit history may create stress because credit directly influences a person’s ability to build security in the form of a home, business, education, or transportation. If currently you experience credit woes, you are not alone. This is a challenge that concerns many people. Though life is difficult, though you may consider yourself an upstanding person, perhaps like many, you’ve run into some unforeseeable pitfalls:

  • Missing a few payments during a financial drought

  • Going bankrupt

  • Being foreclosed upon

  • Facing unexpected medical misfortune and debt

  • Closing a business due to turbulent market difficulties

If you have been rejected by lenders for any of these reasons, considering Arizona Hard Money Loans may help you out of the rut by establishing the financial security and progress you need.

How Do Arizona Hard Money Loans Work?

Arizona Hard Money Loans are collateral-based loans that mitigate a lender’s risk. For this reason, they are beneficial for individuals unable to obtain conventional lending with credit history alone. Other benefits include: the ease of receiving a loan, the speed of getting funded, and the reduction of paperwork. Before funding a loan, Arizona Hard Money Lenders will appraise collateral to determine the loan-to-value LTV amount and interest rate as well as lending stipulations.

Arizona Hard Money Loans may help you establishing the financial security you need.

If this is the type of lending for you or if you would like additional details, Level 4 Funding is here to help you receive the funding you need. Get in touch 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 Arizona Hard Money Lenders Can Help You Obtain the Funding You Need

Who are Arizona Hard Money Lenders? What part do they play in the finance industry?

Arizona Hard Money Lenders are private or individual investors providing asset-based funding. When considering granting a loan, these lenders focus on collateral value and equity rather than creditworthiness. For the most part, Arizona Hard Money Lenders use real estate as collateral, which must be appraised for the lender to ascertain value.

Upon determining a property’s value, Arizona Hard Money Lenders evaluate and mitigate risk by establishing interest and loan-to-value LTV. As an example of LTV, consider that a property’s market value is $100,000, and that the lender is willing to loan money at 60% LTV. This means that the borrower must provide $40,000 to receive a loan of $60,000 at a given interest rate. By requiring a percentage of the property’s value, Arizona Hard Money Lenders are buffered should the debtor fail to make payments. In exchange for cash down, the debtor is granted an asset-based loan, opposed to a credit-based one.

So, who uses Arizona Hard Money Lenders? While traditional lenders such as banks and credit unions loan money based upon credit scores and voluminous stipulations, Arizona Hard Money Lenders fund individuals and businesses: unable to secure traditional funding, looking to acquire shorter terms, struggling to build credit, or needing to consolidate debt built up the form of multiple loans.

Who Benefits from Arizona Hard Money Lenders?

With less red tape, paperwork, and regulations, Arizona Hard Money Lenders offer pragmatic solutions to many clients. Some of these individuals may have had subpar credit, foreclosures, or bankruptcies. On the other hand, other individuals associated with renovating, renting, or selling real estate may frequently use Arizona Hard Money Lenders over conventional lenders to build profit. These include: contractors who buy land and build real estate; flippers who purchase, refurbish, and sell real estate; and leasers who purchase, renovate, and rent real estate. Additionally, other clients turn to Arizona Hard Money Lenders to expand commercial or industrial property to provide more building space for staff, machinery for production, and technology for upgrades. Consistently as well as continually, many of these types of businesses have relied on hard money to acquire more assets and secure more returns. Though businesses receive the initial benefit from the added capital from hard money lending, community also receive a boon as well.

Hard money lending builds local businesses and communities

Indirectly, growth in local business assets and returns benefits local cities, economies, and neighborhoods. As businesses grow, they tend to purchase more equipment, hire more employees, and consume more services in a community. If you are in need of a hard money loan, talk to a representative to day at Level 4 Funding.


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

Business Loans: Does God Want Your Company to Survive?

Brandon Abney Arizona Home Loan FHA SpecialistsSurviving as a start-up is difficult. Considering Arizona Business Loans could keep you in the game.

The short-term survival rate for a business is 50%. Confirming this, the US Bureau of Labor states, “About half of all new establishments survive 5 years or more.” This means: start a business and flip a coin—you’ll find heads or tails to be your odds of survival.

While this statistic is daunting, how do you break the chain? Many experts claim that a healthy cash flow is one of the main indicators of a business’s survival. Regarding this, a recent article from Forbes states that “cash is king, and cash-flow management is the deciding factor whether or not your business succeeds or fails.” While this is good to know, how do you obtain cash flow when you have been down on luck, your market has made an unpredictable shift, or you have not yet qualified for a loan?

Struggles in obtaining lending may be due to:

  1. Low credit score

  2. Limited credit experience

  3. Bankruptcy

  4. Foreclosure

Don’t let the challenges of your past impede your future potential. You’ve put skin in the game to be in business. You want to survive and thrive. Level 4 Funding’s Arizona Business Loans may be able to help you obtain the necessary cash flow to outlast the first five 5 years.

Other Reasons for Seeking Business Loans

Perhaps your business is up and running the way you want it. However, you may need more cash to improve upon what you’ve created.

Other reasons for obtaining Arizona Business Loans may include:
  1. Expansion real estate, inventory, space

  2. Debt consolidation

Expansion may be crucial to getting an edge up your competition. Many times, for businesses that have been established for many years, acquiring property without diminishing cash flow is a dilemma. To add to this, traditional loans may be hard to acquire for some. Hard money Arizona Business Loans may be the answer to buying more property for office space, inventory management, or additional manufacturing. These investments increase the potential output and profit your company is capable of achieving.

Why Not Consolidate Many Loans into One?

Debt consolidation may be another concern. Multiple credit card payments, property loans, and interest rates may be a burden. E Plurbus Unum—Hard money Arizona Business Loans may allow you to consolidate many debts into one payment and one interest rate. 


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

Phoenix Fix and Flip Loans: How to Make Money in Apartments

iStock_000002512608_ExtraSmall copy point calyx 9When it comes to fix and flip loans and apartments you need to have a strategy to pay off the loan as soon as possible. The following article will tell you where to find the best deals, how to value apartments and how you can use simple income boosting strategies, to maximize the value of your apartment property, quickly earn a profit and pay off the balance of your loan.

Before you take out a loan to flip an apartment, you need to find the right property.

Finding apartment properties to flip is a bit tricky, as most apartment buildings are sold off-market. Landlords don’t want to alert tenants to possible changes in ownership, and so they avoid listing their properties outright. So to find apartment properties with the most potential you need to get in touch with local real estate brokers, who can give you a sense of which properties are available.

After finding a potential property to flip, consider the following:

• Is the property is in an exceptionally dilapidated condition: Is there an immediate need for physical improvements, If you can, then make these improvements, and you can quickly boost the properties value and resell it at a profit.

• Consider outside factors that could increase the property’s value in the near-term:  Are new public amenities like hospitals and schools about to be constructed nearby? If the answer is yes, then you may not need to spend any money to see the properties value appreciate.

With Phoenix fix and flip loans and apartments evaluate each deal based on the income potential of the property

The main difference between flipping apartments versus single-family homes is a matter of valuation.  Residential properties are valued based on comparable sales, which limits the potential returns from residential flips. With commercial properties, I.e., apartments, the income generated by the property determines its value. Therefore the potential returns from an apartment renovation can be enormous, depending on how much you can raise the amount of income generated by the property.

When it comes to valuing apartment buildings, the value is usually set based on the market cap rate (annual income/ fair market price) divided by the overall annual revenue generated by the property.

So if your apartment earns 120,000 dollars in income annually and the prevailing cap rate is 5 percent= 120,000/.05= 2.4 million dollars.

This nuances of this valuation process are beyond the scope of this article.

However before taking out any loan you need to have a strategy in place to pay it off quickly. You also want to earn a profit by causing the value of the property to appreciate as quickly as possible. So when it comes to apartments, what’s the fastest way to raise a properties value? Raise rents.

With fix and flip loans and apartments your best bet is raising rents which present a low cost way to boost value and pay back your loan quickly.

With any flipping project, you need a short-term strategy to boost a properties value,  to pay off your loan and earn a profit as quickly as possible. When it comes to apartment flips the best way to boost value is to raise rents. 

Obviously can be amoral or unethical about this, the improvements you make should justify any rent increases. However, in some cases you can still raise rents without paying for any improvements at all. If a property is charging rents that are exceptionally low, you can raise rents to a reasonable standard and quickly earn a profit.

Even a small increase in rent can dramatically boost the value of an apartment building.  Consider the first example where the property was valued at 2.4 million dollars

• 120,000 (annual income) /.05 (cap-rate)= 2.4 million dollars.

This property is a 20 unit building, and each unit brings in 500 dollars in rent per month. If you were to raise rents by 50 dollars the property will earn 1,000 dollars of additional income per month, or 12,000 in extra annual revenue.

While this might not seem like a lot, this small increase in rent, based on a 5 percent cap rate, equates to a new valuation of:

• 120+12=132,000 (annual income)/.05 (cap-rate)= 2.64 million dollars.

So in this case that extra 12,000 dollars in income resulted in a 240,000 dollar increase in the properties value. As you can see, the sky is the limit when it comes to apartment flips. But of course there is math and then there is reality. So things wont always work out according to plan.

Nevertheless, before taking out a loan on an apartment property, find a reputable real estate broker and look for properties with:

• Easy low cost fixes that could raise value,

• Properties where new public amenities are being constructed which will increase the value of the property without any cost to you, and above all,

• Look for properties that are charging below market rents.

Raising exceptionally low rents to a reasonable standard is the fastest, and cheapest way to quickly raise the value of an apartment, allowing you to pay back your loan and earn a profit in the shortest possible amount of time.

Dennis DahlbeDennis Dahlber Broker Ri CEO Level 4 Funding LLCrg
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 Understand House Flipping Loans

4page_img5-bigNot every loan works for every project so it is important that you understand all of the aspects of Arizona house flipping loans. This is a huge first step in a successful project.

Flipping houses can be a great business and a great way to build your personal wealth. But it can also be a very difficult business is you are not familiar with the financial needs and the criteria for that makes good house flipping loans. You will quickly learn that a traditional loan is not a good fit for most flippers. The biggest drawback on a traditional loan is the extended time frame to secure the loan. In addition, you need to have very good credit to qualify for most bank loans. But fortunately, there are much better solutions for your house flipping loans.

The best way to avoid all of the runaround and document requirements is to avoid the traditional lenders. Using a private lender is a lot faster and easier. The cost can be a little bit higher but in most cases, you can tailor the loan to meet all of your needs including a fast approval and funding process. These types of loans are called Arizona Hard Money Loans or asset-based loans and they are offered by a private lender or a small group of people who function together as a private lender.

The lenders are not looking at your credit history, income or even your credit score to decide if they are willing to loan you the money. For asset-based lending, the determining factor is the value of the property that you are buying. The lender requires that you use the property as collateral for the loan so that it is secured. All the lender is concerned about is that the value of the collateral is always greater than the balance of the loan.

Calculating the Amount of House Flipping Loans

Lenders who focus on these Arizona Hard Money Loans have a set loan to value ratio that they are willing to offer borrowers. The LTV is normally somewhere between 70% and 80% of the value of the property. There are two reasons for this choice. First, this assures the lender that the property will always be worth more than you owe in the event of a default on the loan. Second, the lender knows that you are very motivated to get the deal done as you have invested your own money in the project to reach the asking price. This is known as having some skin in the game and is a good motivator.

Know The Terms

Flipping houses in Arizona can be a great business and can grow very quickly if you are aware of the proper types of funding for these projects. In addition, you need to understand that the conveniences of hard money only come at a higher cost. So it is important that you find the best deal possible to begin your home flipping business and ensure your success.

Dennis DahlbeDennis Dahlber Broker Ri CEO Level 4 Funding LLCrg
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