The Financial CHOICE Act recently passed the House of Representatives. The bills passage reflects the broader trend of undoing many provisions of Dodd Frank. But what impact will these changes have on commercial lending?

The Trump administration and Republicans in general argue that the Dodd-Frank Act, passed in 2010, has stifled the growth of small businesses. The Financial CHOICE Act (Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs), takes aim at what Republicans claim are the onerous provisions of Dodd-Frank. Whether or not the Financial CHOICE Act becomes law, these developments represent a broader trend to undo financial regulations implemented in the wake of the great recession.

The Bill allows banks to opt out of Dodd Frank regulations if they have enough cash on hand. It eliminates restrictions on proprietary trading ( i.e. banks trading on their own investments). The bill limits the purview and reach of the Consumer Financial Protection Bureau by putting it under the authority of the executive branch. It changes the terms of bank stress tests and according the author of the bill it eliminates the possibility of future government bail-outs to banks that are deemed “to big to fail.” It would be easy to discuss the nuances of each of these provisions, but it is more worthwhile to consider what the broader trend of undoing Dodd-Frank and other financial regulations will mean for small business lending.

The impact of regulations has more to do with individual bank examiners than regulations themselves

An article on Forbes, points out that it is the overall culture of bank examiners and not specific regulations which has the greatest impact on banks willingness to lend to smaller businesses. Bank examiners may deem a loan risky, even if it is performing well. This results in an immediate cost to banks by forcing them to increase their cash reserves. This additional expense forces the bank to increase its lending standards to prevent similar costs in the future. Many small business owners cannot meet these higher standards, leading to a decline in small business lending. Repealing specific regulations wont change the fact that regulators themselves are not incentivized to increase the number of loans issued to small businesses.

The provisions of the Financial CHOICE Act and further efforts to repeal Dodd-Frank will likely only minimally impact commercial lending. It is important to note that the decline in lending to smaller businesses has more to do with the shock of the recession than any specific regulations. The decline in small business lending was observed prior to the passage of Dodd-Frank. Conditions in the economy, rather than specific regulations, seem to be greater factors in determining the of banks to lend to smaller businesses.

It is difficult to tell whether the lighter regulatory burden imposed by the Financial CHOICE Act will have any discernible effect on commercial lending.

Dodd-Frank may have compounded the preexisting decline in small business lending by traditional banks, but repealing it will likely to do little to reverse this trend. The risk averse culture at banks and regulatory agencies is probably the main reason for the decline in small business lending.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com 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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Peer to peer lending is an innovative type of commercial lending that connects borrowers and lenders directly. It is important to understand how the Peer to Peer lending process works and to ask yourself the right questions.

First, what is Peer to Peer (P2P) lending? Sometimes referred to as “social lending”, P2P lending occurs on online platforms that link borrowers with potential investors. These websites act as intermediaries between both parties. They perform the underwriting process and facilitate transactions between borrowers and lenders. This removes the middleman (i.e. the bank) from the lending process. Because of the savings and convenience involved, P2P financing is growing rapidly and is expected to be a 150 billion dollar industry by 2025. Considering this rapid growth, P2P lending may seem like an attractive option but you should be aware of the process and the advantages and disadvantages involved.

What does the P2P lending process entail? You the borrower sign up on a P2P lending site such as Lending Club or Prosper. After joining you submit a loan application, describing the amount you want to borrow and what you intend to use it for. The site then reviews this information, reviews your financial records and credit score and assigns your loan a certain risk factor. Once your application is approved by the site it is then posted. Potential investors then decide whether or not they are willing to fund your loan, how much they want to invest and what the terms the loan should be. Your proposal then remains on the site until it is fully funded or you withdraw your application.

What are the main benefits of P2P lending? Processing is much faster than traditional commercial lending. Because the process occurs online there is a minimal amount of paperwork involved. P2P platforms act as facilitators between individuals, both borrowers and investors and the lending process can potentially be more personal. Individual lenders may be willing to overlook a poor credit score if your application is compelling and well thought out. This may result in better terms and lower interest rates than you would receive through traditional financing.

But there are drawbacks in Peer-to-Peer lending that you should take into account.

Even though loan processing may be faster on P2P sites, it may take a considerable amount of time before your loan is fully financed. This mainly depends on the P2P platform and whether your application is auctioned. In certain circumstances you may be required to present additional documentation or take further steps to secure the funding you need. These additional steps can be time consuming and potentially complicate the process.

Considering Peer-to-Peer commercial lending is about asking yourself the right questions

Considering how the P2P lending process works you should first ask yourself how quickly do you need the money? Depending on your situation it can take a long time before your loan is fully financed. If you need your funding within a specific time frame, you may want to evaluate other financing options. Consider your financial standing as well. See the various loans your credit score qualifies you for on a variety of P2P lending sites. Compare this to other sources of financing and find the one that offers the best terms. However knowing how the peer-to-peer lending process works, as well as the benefits and risks will help you decide if it is the right financing option for you.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com 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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Judging whether or not your business can afford a commercial loan comes down to three questions. Can you pay the loan; will you pay the loan and what will happen if you can’t pay the loan?

There is some math involved in answering these questions but knowing a few figures can help you evaluate your financial performance and judge whether taking out a commercial loan is worth it.

To answer the first question, can you pay the loan, you need to calculate your Debt Service Coverage Ratio (DSCR). This figure tells you the amount of money you have on hand each year to pay your debts. Your DSCR is calculated by subtracting your monthly income from your monthly expenses and multiplying the result by twelve. This gives you the amount of money you have available each year. Then you estimate what the cost of the potential loan is and divide that into the first number. Potential lenders consider a DSCR of 1.25 to be reasonable. If your DSCR is lower than 1.25, you probably cant afford to take out a loan. Knowing your DSCR helps you evaluate if you can afford any potential loan on a yearly basis.

To answer the second question, you need to know the ratio of your income vs. your outstanding debt obligations is (Debt to Income ratio or DTI). Knowing this figure will help you judge if you will be able to pay back any loan in the long run. To calculate your DTI add up all your outstanding personal and business debts, divide it by your monthly income and multiple the result by 100. This number clarifies whether your income exceeds your debts or whether your debts exceed your income. A DCI greater than 36 indicates you should avoid additional borrowing. This number gives you a sense of your financial performance on a monthly basis and indicates whether you will be able to keep up with your loan payments.

But even knowing your DSCR and DTI doesn’t answer the fundamental question. Is taking out a commercial loan worth it?

You may need to consult an accountant or business advisor in order to answer this question. The answer involves a nuanced process known as Loan Performance Analysis. In layman’s terms this process gives you a sense of the risks of borrowing versus the rewards of additional investment. Look at your current profitability and compare it to the revenue any new investment might produce. It is important that you are realistic during this process. Optimistic projections about potential revenue wont clarify the risks of additional borrowing. Consider multiple scenarios throughout this process as well in order to get a better understanding of your situation. Loan Performance Analysis may be more subjective than calculating your DSCR or DTI but it will further clarify whether getting a loan is actually worth it.

Plan ahead and understand the impact defaulting may have on your business

Life happens and things could change rapidly in your business. Even the most conservative projections during loan-performance analysis may not reflect the reality of a potential disaster. You should always be aware of the risks involved in defaulting on any potential loan. Do you have enough collateral to cover the loan? If not you may be personally responsible for paying off the remaining balance. Carefully consider whether you are willing to risk your personal property before taking out any loan. However knowing these figures, your DSCR, DTI and performing Loan Performance Analysis will give you a good sense of whether taking out a loan is worth it.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com 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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Online “alternative lenders” have emerged as a vital source of capital for small businesses. But some of these lenders may be predatory and rising defaults may put the entire industry at risk.

Following the Great Recession small businesses have faced increased difficulty getting loans from traditional banks. According to the Federal Deposit Insurance Corporation, loans under one million dollars have been declining every year and are twenty percent below pre-recession levels. A plethora of alternative lenders have emerged online, in order to meet the demands of small businesses that need financing. The loans such lenders offer are easy to qualify for but oftentimes can be very expensive. Furthermore this online marketplace is in essence completely unregulated. A lack of regulation and transparency puts many small business owners at risk of taking out loans from predatory lenders.

Unscrupulous lenders can avoid regulation simply by packaging their loans as advances. Because of this usury protections do not apply to these “advances” and there is no ceiling for what can be charged in interest. Triple digit APR is not uncommon in these cases. Many borrowers may be unaware of the total coast of the loan they are being offered. This is because there is no legal standard of disclosure when it comes to commercial lending. This enables predatory lenders to disguise the amount they charge in interest rates and fees. For example a lender may quote a ten percent interest rate, in reality this is only the monthly rate for the loan. The total interest on this loan amounts to one hundred and twenty percent annually. The lack of clear legal standards in the alternative lending industry could lead to a dangerous trend.

The explosion in online lending to small businesses could be following a familiar pattern, with alternative lenders issuing loans to unqualified borrowers in the pursuit of rapid growth.

Some liken the online commercial lending industry to the Wild West The fact that such loans are easy to qualify for ensures consistent demand from small business owners. Securitization of these loans and merchant cash advances in particular ( generally the riskiest and most expensive type of business loan available), could result in a pattern where online lenders issue loans to unqualified borrowers in the pursuit of rapid growth. In addition there is speculation that many online alternative lenders are overvalued, potentially forcing some organizations to justify their value by issuing new loans at all costs

Online alternative lenders are an invaluable resource for small businesses. However more needs to be done to protect both lenders and borrowers.

To begin with the rates on commercial loans issued online need to be competitive and fall within a reasonable standard. There needs to be a minimum amount of disclosure on the part of lenders to inform borrowers what the total cost of the loan will be. This will help borrowers avoid taking out loans they cannot afford. These basic protections will help protect borrowers from default, help lenders manage risk and protect the industry as a whole.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com 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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Micro-loans are small loans often issued by non-profit community development organizations. Micro-loans are an excellent option for new business owners who are passionate about their idea, but who may not qualify for financing elsewhere.

The Small Business Administration defines a micro-loan as a commercial loan for less than 50,000 dollars. They are often issued SBA backed organizations, however not all micro-lenders are sponsored by the SBA.

Micro-loans usually have less stringent qualifications than traditional loans. They can be an excellent source of financing for business owners without good credit or collateral. Micro-lenders are generally not for profit organizations, seeking to develop businesses within their communities. Often these organizations are looking for a good idea instead of a good credit score. These organizations invest time and energy in supporting borrowers in order to help them develop their businesses. They may even go so far as to contact a borrowers personal references in order to help them qualify. This personal touch means micro-loans may be easier to qualify for than traditional financing.

Micro-loans are also relatively inexpensive compared to other types of start-up financing. Interest rates are generally between 5 and 18 percent. Micro-lenders also offer educational resources. SBA backed micro-lenders must offer training for borrowers in subjects like money management and business planning. These educational resources can translate into long term success for new businesses.

Micro-loans present the opportunity to new business owners to secure the financing they need, learn strategies for long term success and improve their business credit score.

As borrowers pay down the balance of their micro-loan they build up their businesses credit score. This improvement can help new businesses qualify for more traditional financing in the future. This coupled with the education micro-lenders offer helps ensure new businesses succeed. All these factors translate into micro-loans being an excellent type of commercial loan for new business owners.

Micro-lenders offer a personalized approach not often found at traditional banks. The loans themselves are inexpensive compared to other types of financing available to new businesses . Education helps new businesses plan for future success. Above all micro-loans present the opportunity for new business owners to build their business credit score.

Micro-loans may be the safest type of commercial loan available to new business owners.

If your uncertain about the nuances of starting or running a business, but a have a great idea, a micro loan may be right for you. The education offered by micro-lenders will potentially equip you with knowledge and strategies for long term success. The borrower-focused approach of these organizations means micro-loans may be easier to qualify for than other types of financing. Above all getting a micro-loan gives you the opportunity to build credit and can help you avoid pursuing more expensive methods of start-up financing.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com 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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Commercial real estate loans may seem hard to get approval for, but not if you have one of the key components lenders look at — a strong business plan. Here are some simple tips for creating a strong business plan.

Start with a summary — strong statements that serve as the outline of your plan. This should inform the reader of exactly what you truly want to do with your business, what you are requesting and how it will be used to grow your company. This should come directly after the title page.

Next include a description of your company and the industry in general. Don’t assume the banks have an in-depth knowledge of your particular niche. Include information about current trends and future opportunities for growth and revenue. In addition, noting specifics about the markets in your specific industry and some of the new developments that you can use to leverage your own business is beneficial to a strong business plan.

A market analysis should be included in your business plan. Hard numbers that show all aspects of the market that can be defined in a way to position your company as a strategic player in this field. Include your own unique market strategy approaches and ideas here too. In addition to market analysis, including an analysis of your direct competition — and their strengths and weaknesses — is another critical element of a strong business plan. This shows your ability to pinpoint problems, and an opportunity to present solutions. You can explain here how your company would avoid these same pitfalls or build upon these same areas of strength.

How will a business plan determine whether a bank or lender will approve my commercial real estate loan?

Additional factors such as your business development strategies, how you will chart and track production, market the company, create and stick to a budget, managing the day-to-day business operations running smoothly, any specific logistics, and charting the responsibilities of your management team all point to your ability to run your company successfully. Banks and lenders need to feel confident that they will see a return in their investment. It’s your job to sell that to them and ultimately get them to approve your commercial real estate loan.

Making your business plan stand out is almost as important as what your business plan includes.

Using the proper tools to present your business plan is crucial. Presenting in a clean and easy way with real numbers, facts, and any hard data you have to “prove your case” can be beneficial to your commercial real estate loan approval.

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com 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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

There are many factors to think about when you are contemplating applying for a Arizona commercial loan – from what type of loan you need to the best financial institution or lender to help you get that loan. Before sitting down with an expert, there are a few things you should have prepared.

A business plan is an important element that banks and lenders look to when reviewing a commercial loan application. Ultimately, there money is going to be backing this plan, so they want to make sure it’s indeed a solid one that has legs. Spend some time putting together a well researched and detailed business plan that outlines your past successful approaches, and exactly how to plan to take the business to the next level – with the help of this loan, of course.

Proof of a steady cash stream is also key to be able to show the lender – how do you plan on making a return on the investment… so that then the lender will see their return on investing in you. Being able to showcase how you plan to make revenue for your business will go a long way to ensuring you can repay the commercial loan. Most organizations will want to see you up and operating within a year.

Last but certainly credit score is of course a big one. Banks want to see your history and feel confident that you will be able to wisely and properly manage the finance that they will in essence be entrusting you with. If you are just starting out and don’t have much of a credit history established, don’t be afraid to build a little credit in order to start establishing a base of good credit – ensuring you don’t go too far into your limit.

If you’re credit score if not where you would like it to be, you can actually improve it fairly quickly so you can show lenders in good faith that you are working to repair it. This can go a long way when it comes to how lenders feel about taking on your loan application.

It’s important to maintain the credit card balances (you should aim to get your balance to 30 percent or lower), always pay on time or early and pay in excess of the monthly payment amount due, if at all possible. If you have old debt that you have paid off, resist the urge to have it removed from your report – it actually shows you have the ability to pay off what you owe, which is a good thing in the eye of the lender.

When it’s time to consider a commercial loan for your business, ensuring you have your affairs in order is important.

Before applying for a loan, put together a solid business plan, ensure your credit is as up to date as possible with the big three credit bureaus — Equifax, Experian and TransUnion — and be prepared to prove how and when you will be able to pay back your loan. Preparing documentation is no place to skimp on time even if some tasks seem daunting or tedious – your efforts will be rewarded once you receive loan approval!

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com 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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage

Commercial Real Estate Loans can help catapult a small business into the next echelon of success and growth. Find out how your company can become more successful with this strategy.

You’ve heard the phrase, “It’s takes money to make money,” right? In business, who hasn’t? But oftentimes small start-ups and organically grown businesses just don’t have the cash flow to make that big step. However, with the help of a commercial real estate loan, small businesses can start producing more efficiently and effectively – making more money than they may have thought possible.

Presentation is everything, and you should always put your best foot forward. Okay, enough with the clichés. But in business, clients and customers base many of their decisions on first impressions — that includes the look of the building, the presentation of products, goods and services. Beyond attracting new potential clients, presenting a workspace that appears success and productive has an added bonus: attractive, spacious workplaces with perks for their employees (think daycare center, break room with games, or even a gym) increase productivity and improves morale. When your employees are happy, they feel invested in their career and they work harder. Talk about a win-win solution!

Even if you don’t plan on making major office improvements, being very tight on cash, creates a stressful environment for you and your employees. A commercial real estate loan can help ease the stress of ensuring employees, vendors and suppliers will get paid and that you can work to invest back into your own company. This type of loan can also help you get through any slow periods or slumps in sales.

With a loan, you can expand your business in a number of ways: reaching new markets, adding a second location, having more liquid assets to brand yourself and advertise. Making the plunge into a new market or taking on an expansion can require a lot of initial capital, but the company will reap the benefits of the investment in the long run.

Not all commercial real estate loans are the same, so choose the one that is right for you and your business.

Talk to a professional lending expert to see what type of program would be best for your business – such as a short- or long-terms financial strategy. There is no better time than the present to invest in the further development and growth of your business, regardless of the type of business or whether you are a start-up or a more organically grown small business.

There are specific requirements to become eligible, but the benefits are worth it.

Consider what you have to lose – and what you have to gain when it comes to your business. Contact a lender to find out what the requirements are to qualify and watch your business take off!

Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com 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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending,commercial mortgage