Monthly Archives: January 2019

4 Benefits of Using Arizona Private Money Lenders

January 29, 2019Uncategorizedbigdaddydennis

Who are Arizona Private Money Lenders, and why should they matter to you?

Arizona Private Money Lenders are individual investors who are separate from federal institutions. Aside from conventional lenders who receive institutional money, rates, and regulations in order to lend money, private lenders loan out their own money to the individuals they see fit to loan to. They are small entities with their own interests and their own agendas, not an extension of the bureaucratic arm of federal lending.

There are several benefits to using private lenders. First off, generally speaking, Arizona Private Money Lenders tend to finance real estate that needs to be repaired. They are okay with borrowers purchasing property that has been run down, that has extensive damage, or that can be fixed within a short period of time. This is because these types of property, if the numbers are crunched correctly, can bring in a healthy return, benefiting both lender and buyer. Because of this, fix and flip investors frequently tend to deal with private lenders for a variety of lending scenarios: acquiring a profitable piece or real estate that may be distressed; financing only a portion of the renovation process such as cement, paint, etc.; or financing equipment that can be used for renovations.

Second, reduced lending requirements. Arizona Private Money Lenders do not require lengthy verification requirements and can be funded within a matter of a few days at the quickest. The speed and the reduced application and funding requirements make private money popular for individuals purchasing wholesale, foreclosed, or short-sold properties, many of such purchases needing to be funded within a short amount of time opposed to the lengthy, 40-day-plus period that a conventional loan would take.

What Do Private Lenders Require?

Third, Arizona Private Money Lenders tend to look at equity positions and business success over past bankruptcies, foreclosures, and delinquencies. Many recipients of Arizona Private Money Lenders are contractors, leasers, and flippers who purchase property to get a return on money. A primary concern for Arizona Private Money Lenders is what the loan-to-value (LTV) and the after-repair-value (ARV) will figure out to be. By calculating both of these factors, a private money is able to calculate risk in the advent of foreclosure. Other factors included when financing real estate investors are: how many jobs has the investor completed, and how well has his or her investing business held up.

Arizona Private Money Lenders are local lenders who tend to have a personal relationship with borrowers.

Fourth, Arizona Private Money Lenders are generally local lenders. Aside from equity and work history, Arizona Private Money Lenders tend to lend to people in a close-knit community. Instead of calling an obscure entity from a “1-800” number that is directed through a myriad of phone lines and codes just to hopefully get a bank representative, Arizona Private Money Lenders are accessible, personable, and available. By building local investment ventures, they indirectly build communities, small businesses, local infrastructures, and community jobs. Though finding Arizona Private Money Lenders is not as easy as other lending outlets, it is a comfortable and a less regulated lending form that continues to help many small business and individuals get their start.

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

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 and 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Microlending: Peer-to-Peer Arizona Private Money Lenders

January 29, 2019Uncategorizedbigdaddydennis

The peer-to-peer to peer economy is backed by popular demand. Companies like Spotify, Airbnb, eBay, Uber, and more have changed the way business are done, especially with elaborate applications, software, and websites. Will microlending change the way Arizona Private Money Lenders or conventional lenders do business in the near future? Stay tuned . . .

Microlending. A word that has incited criticism, curiosity, charity, and praise in recent years. Microlending is the concept of gathering and pooling small funds from a multitude of individual investors in order to finance commercial ventures. Though the concept of microlending, or gathering many small funds from the masses, has been around for a long time, it has recently made headway with the birth of the internet and the rise of peer-to-peer businesses.

As of late, the peer-to-peer business model has boomed. If the term is unfamiliar, think Airbnb, Uber, Lyft, Spotify, eBay. These are businesses that create an interface, application, or website that allows users to communicate directly with each other. There are no middlemen, just the site, it’s users, and communication between these parties. So, back to microlending. After the advent of peer-to-peer software and the explosion of the tech industry, microlending emerged. Fusing peer-to-peer tech with microlending allowed not just a remote area of individuals to participate in microlending, but the whole wide world.

Individuals began to gather on microlending sites. Micro Arizona Private Money Lenders and borrowers searched for one another, funding was lent and received. Microlending became attractive for the above market interest required due to risk. Also, the fact that it typically was lent to third-world countries whose currency valued less than the US dollar allowed individuals lend as low as $25, though many argue that initial investment should be more.

Potential and Foreseeable Challenges for Peer-to-Peer Arizona Private Money Lenders

Some of the challenges for peer-to-peer, Arizona Private Money Lenders include risk in lending to individuals from various regions of the world who may or may not repay. Though credit scores, credit histories, credentials, and background checks are documented on microlending sites, a lack of collateral of collateral is typically the norm. Though less money is needed to invest, there is greater risk, due to the fact that many loans are not backed by collateral. Adding to the challenges of microlending, recently institutional lenders have made their way into peer-to-peer lending. This has increased competition—Goldman Sachs versus the world of micro Arizona Private Money Lenders.

Are micro Arizona Private Money Lenders the future of the finance industry? Only time can tell.

Despite these challenges some micro Arizona Private Money Lenders who spread the risks of their profiles and find consistent investment amounts report a possible average return of 7% interest. Others view that institutional intervention is a testament of the profitability of microlending. As many continue to watch the microlending market, waiting is the only option, for only time will tell what this niche of financing has in store. Opportunity, stagnation, or demise.

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

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.

6 Reasons Why You Should Use Arizona Hard Money Lenders

January 29, 2019Uncategorizedbigdaddydennis

Banks are not always the answer. Sometimes, other financial resources can be a godsent. Arizona Hard Money Lenders are here to help you secure the lending source you need to complete the goals and investments that are important to you.

Hard money is money pooled together by private investors or groups of investors. These private investors lend money out at an interest rate securing comfortable returns. Once pooled, hard money is lent out in two ways: either directly from private lender to borrower, or through an intermediary known as a hard money broker, who gathers and loans out the funds of Arizona Private Money Lenders. Typical hard money borrowers include: new real estate investors unable to secure conventional lending; investors with poor credit or little cash down; investors falling short of income stipulations or possessing limited work history; investors dealing with multiple mortgages; investors purchasing distressed property within a short period of time; and investors renting and renovating.

Hard money has many attractive benefits to these and many other types of borrowers. First, there is more opportunity to participate in more deals: Sometimes, getting a foot into the real estate investment business is tough. When conventional lending shuns new investors, other financial means are needed. Arizona Hard Money Lenders offer borrowers a chance when banks say no. Furthermore, hard money offers experienced investors creative solutions such as financing multiple properties, refinancing exciting properties, or renovating older properties. Second, it is easier to get financed. Do towers of paperwork delineating obscure legal stipulations scare you? If so, good news, Arizona Hard Money Lenders have less paperwork the banks.

Third, Fast approvals. Some real estate investors don’t have the luxury of waiting months for conventional lenders to give the green light. Wholesalers, flippers, and renovators vying for limited distressed properties may need money fast to scoop up properties at auction. Sometimes, the answer is hard money. Arizona Hard Money Lenders can secure in days what conventional lenders can secure in months. Though hard money may have higher interest rate, they present opportunity and allows for acquisitions and returns.

Arizona Hard Money Lenders Help You Secure a Loan that Fits Your Needs.

Forth, you can negotiate a payment plan. Do banks make you feel like an insignificant minnow in a sea of paper? Do you miss the old days when you could talk to people face to face? Great. Arizona Hard Money Lenders are personable and able to set a financing plan in motion that suits your needs. Fifth, no prepayment fees. If you pay off your loan too soon, there is no problem at all.

If Arizona Hard Money Lenders are the financial lending source you are looking for, contact your hard money broker at Level 4 Funding today. Secure the cash you need to further the investments that matter to you.

Sixth, you can get approved with bad credit. Arizona Hard Money Lenders are not so much as focused with credit worthiness as are conventional lenders. Instead, they are interested in loan-to-value, equity, property value, and after repair value. These factors give Arizona Hard Money Lenders an indicator of risk and security. This great news for individuals whose credit has been ransacked after a divorce, destroyed after a bankruptcy, or marred by past delinquencies.

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.

Arizona Fix and Flip Loans: Hard Money v. Conventional Loans

January 28, 2019Uncategorizedbigdaddydennis

Looking for money? Are you eligible to receive a conventional Arizona fix and flip loan?

Though difficult to acquire for many flippers, mortgage loans present opportunity for borrowers possessing the following:

· High credit scores: Creditworthiness is a big indicator for conventional banks. They will want to see a borrower’s track record in regard to Arizona fix and flip loans. Has the borrower payed bills well in the past? Has the borrower had any delinquencies such as missed payments? Have there been any foreclosures or repossessions? Essentially, to the banks, credit history indicates the risk of loaning.

· Favorable debt-to-income ratios: This is the total debt figure divided by income. Banks use this ratio to calculate if a potential borrower is able to make payments, especially after adding any requested loans. Max debt-to-income ratio for conventional banks tends to hover between 40%-50%.

· Considerable or significant assets: Collateral is another crucial factor for receiving a conventional loan. What types of assets, general property or equity in property, does the borrower possess? Is the proposed collateral enough to buffer the lender in the unforeseen event of foreclosure?

· Completed jobs: Conventional lenders look for a history of profit, repayment, and success as good omens. What is the borrower’s track record? Has the borrower been able to repay previous flipping debts?

If the borrower has a favorable history in many of these areas, he or she is more likely to receive funding for Arizona fix and flip loans. The upside to receiving a traditional home loan is, for one, a very low interest rate, some of the lowest. On top of this, the loan-to-value (LTV) can reach up to 80%. On the downside, conventional Arizona fix and flip loans may not be a great choice for individuals who are new to the fix and flip market and thus have a limited amount of completed flips.

Do to the drawn-out nature of submitting and reviewing credit applications, typically taking months to complete, conventional lending presents complications for those looking to bid on wholesale, foreclosed, or short-sell property, which may need a quicker source of financing to acquire. Finally, the challenge of acquiring distressed or hazardous property—conventional lenders are typically interested in property that can be lived in. If there is neglect, structural issues, or other issues that prevent this, the bank is likely to withhold funding.

Rotten Credit? Hard Money Arizona fix and flip loans May Be an Alternative

Though many potential borrowers do not fit the rigorous credit archetype delineated by conventional lenders, there are still other options. Arizona Hard Money Lenders have formed a safe haven for entrepreneurs possessing a rocky credit history, limited experience, or limited assets. They have also provided opportune funding for those looking to purchase property quickly.

Bad credit, limited experience, or few assets?

Hard money Arizona fix and flip loans may be right for you.

Need help flipping a home? To receive more information regarding hard money lending, talk to a hard money broker today at Setabay.

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

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.

Secure Returns: Loans to Flip Houses in Arizona Help Flippers Earn More Money

January 28, 2019Uncategorizedbigdaddydennis

Need cash to get into the flipping game? Hard money loans to flip houses in Arizona may be right for you.

Flipping homes offers many benefits to real estate investors. One of the main appeals to flipping houses is it offers investors a return within a short amount of time. Within a few months to under a year, investors locate, purchase, and renovate a property presenting a return potential. The return on investing in a flip home is large, usually close to 50% and sometimes even higher. Not bad.

But where do flippers start? Typically, investors purchase properties during a booming housing market, a time when real estate prices are on the rise. (Like right now, when flipping is at its highest since the mid-2000s.) The rising cost of homes indicates a rise in equity and an increased possibility of a good return. With this in mind, flippers tend to find distressed property in a neighborhood where renovated homes are selling well. They will do their homework and look at the “comp” or comparable sales. After locating a distressed property, flippers take into account the “perceived” renovation costs, how much will renovation cost to receive a return similar to that of other renovated houses in a given neighborhood. The trick is finding a property that would hypothetically receive a greater return for less work. Renovations could be as simple as reflooring, landscaping, and painting a few rooms. Other times, it might be necessary to delve into more complex renovations to receive a return. Either way, the main questions remain: Do the ends justify the means? Can a decent profit be made for all of the labor? If yes, “you may pass GO.”

So, a flipper has found a house, done the homework, and taken into account all of the perceived costs. Great. The next step is funding. Since many Americans don’t have too much cash to blow, funding is a very important step. To finance their projects, flippers often go to lenders, generally ones that gives loans to flip houses in Arizona.

Arizona Hard Money Lenders Offer Less Restrictions for Those Looking for Loans to Flip Houses

Arizona Hard Money Lenders typically grant loans to flip houses. This is due to the fact that conventional lending is practically restrictive when it comes to loaning to real estate investors new to the business, with low credit scores, and with a history of subprime credit or past delinquencies.

Cut through the red tape! Talk to your hard money broker to get loans to flip houses in Arizona today.

For this reason, many new flippers enjoy the face-to-face, hands-free approach to hard money loans to flip houses. They find it a way to cut through the red tape of bureaucracy and start their new path of securing the returns that they need. If eligible, rates may start as low as 7.99% for terms extending from 3 to 60 months. Applications processes are short. Funding up to 90% LTV is available through certain lending programs for borrowers meeting collateral requirements.

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

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.

Conventional Versus Hard Money Arizona Commercial Real Estate Loans

January 28, 2019Uncategorizedbigdaddydennis

When it comes to commercial lending, conventional and private lending reign. But which to choose? Weigh the pros and the cons of each to find the ideal financing situation for your business’ needs. Discover the Arizona Commercial Real Estate Loans that are right for your company.

Commercial real estate is property intended to generate income for a business, opposed to residential usage. Most often, commercial real estate is obtained through a finance source known as Arizona Commercial Real Estate Loans. Through Arizona Commercial Real Estate Loans, acquisition, renovation, and construction of commercial property is made possible as a means of establishing short or long-term returns.

Arizona Commercial Real Estate Loans are not residential loans. Where residential real estate loans are intended to purchase a home for individuals, commercial lending is solely intended for entities who acquire real estate to secure returns. Contrasting a thirty-year residential loan, commercial loans have a duration of 3 to 60 months.

Both independent and conventional lending sources fund Arizona Commercial Real Estate Loans. In part, conventional lending institutions grant loans based on a business’ credit history. Should the latter be too short or nonexistent, then credit worthiness is established by analyzing the credit scores of a business’ owners. After establishing credit worthiness, several other risk-contributing factors are assessed: a suitable period of finance records, tax returns, loan-to-value assessments, debts, etc. With suitable credit, finance, history, and collateral established, conventional loans are an option. For some businesses meeting the previous credentials, The SBA U.S. Small Business Administration offers favorable lending scenarios with mitigated risk and less cash down to those exhibiting a high credit score, satisfactory financial standing, and enough collateral.

Try Hard Money Arizona Commercial Real Estate Loans

If not, there is no need to worry. If conventional lending is not an option, hard money Arizona Commercial Real Estate Loans are available and have helped many businesses get the start that they need. Hard money commercial real estate lending provides the financing for real estate projects such as multi-family units, warehouses, industrial properties, and office facilities. It is fast, competitive, and effective. Hard money commercial lending avoids the hoops and red tape associated with conventional lending. Where months of credit analysis, stipulations, and federal mandates hedge up the funding process, commercial hard money loans can be secured within shorter, more favorable time frames.

Fund your next development with Arizona Commercial Real Estate Loans—Talk to your hard money broker at Level 4 Funding today.

If you are struggling establishing the financing you need, or if you need to establish financing quickly for your upcoming development, talk to your hard money broker at Level 4 Funding, here to help you secure the financing your business needs. Loans for up to 90% LTV and $50,000,000 available to qualifying borrowers.

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.

Avoid Putting Cash Down: 100% LTV Commercial Real Estate Financing for Your Business

January 28, 2019Uncategorizedbigdaddydennis

100% LTV Commercial Real Estate Loans Help Businesses Maintain Cash Flow.

The supply and demand, the wax and wane of the market. Day in day and day out, you’ve ground out a living building a business on main street America. You’ve done the time and the homework; you’ve put in the hours to build a business from the ground up. Now, you want to expand your operation. You’ve seen your profit potential and are happy where things sit. However, you know that you can create more and have reached the point of wanting more property to create more profit. Perhaps, you’ve got the money to do it, but perhaps you don’t want to cut into your cashflow—the beating heart of your organization and many investments.

It takes money to make money, and you have money. But, you understand that keeping cash flow intact and borrowing money in order to acquire more property creates less risk. Also, it may present you with a better chance of dealing with the inevitability of market shifts.

You look to conventional lenders but seem to have been rejected due to previous credit history, federal restrictions on property acquisition, or other cumbersome stipulations. After a bit of research, you come across information relating to 100% LTV Commercial Real Estate Financing. Questions enter your mind: What is it? Do you qualify? What are the requirements and respective rates for such a loan?

Can You Qualify for 100% LTV Commercial Real Estate Financing?

After doing a few more Google searches, you come to understand that 100% LTV commercial real estate financing is made possible with Arizona Hard Money Loans, and you see that hard money acquired by leveraging equity in real estate possessed by a business or business owner. While traditional lenders have a hawk’s eye for looking at an individual’s creditworthiness, credit history, or compliance with the hoard of federal lending requirements, you see that Arizona Hard Money Lenders are able to base loans on real estate value rather than credit. The catch is that you must have a significant amount of equity built into your collateral, either by owning property out-right, having a considerable increase in positive equity, or having equity that is greater than the loan amount to be requested. Without the proper equity, you realize that you would have to have a sufficient amount of cash down to buffer the hard money lender in the unforeseeable advent of foreclosure.

Talk to your hard money broker and see if you qualify for 100% LTV commercial real estate financing.

The good news is that you have built up a considerable amount of equity by paying off nearly all of your business’s property. On top of that, the recent rise in real estate prices has considerably increased the value of your equity. Nice! Now the next step is getting a hold of your hard money broker or lender to find out if your property qualifies you to receive 100% LTV commercial real estate financing.

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

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.

Yes, You Can: Secure Conventional Lending Through An Arizona Bridge Loan

January 28, 2019Uncategorizedbigdaddydennis

Life happens. Unforeseeable business demands, events, or market opportunities materialize out of nowhere. Action may be needed, and quick. An Arizona Bridge Loan is here to save the day. Right now, you have the power to secure the cash flow, to acquire the assets you need. Get financed through the banks later, act now.

An Arizona Bridge Loan helps individuals, developers, businesses, investors, and buyers receive funds in order to secure desirable property for investment or residential purposes, needed equipment for commercial expansion, or sufficient materials to renovate. This type of loan is temporary, lasting generally anywhere from three to twelve months. An Arizona Bridge Loan is not a means of long-term financing, but rather a means of providing needed and short-term cash flow to complete a financial objective or acquire an asset until conventional lending is made available at a lower rate. Hence, the word bridge indicates an intermediary period between hard money and conventional lending.

Though possessing innately higher interest rates, the benefits of An Arizona Bridge Loan are speed, accessibility, and reliability. Since An Arizona Bridge Loan is made available through hard money brokers or lenders, the process of acquiring a hard money bridge loan is much shorter than the months needed to secure a conventional loan. This speed is due to the fact that a hard money bridge loan is backed by collateral, usually real estate. An Arizona Bridge Loan is accessible via hard money brokers who able to secure the rates and terms in a reliable and comfortable time frame.

Conventional lenders may offer the lowest available rates, but they are slow, very slow. Conventional lenders are the optimal long-term method of financing, which is great. However, it is not always a simple process jumping into a long-term conventional loan. Credit analyses, screenings, federal regulations, and hordes of stipulations stand guard. Sometimes, the months needed to secure this kind of financing are not available. Unforeseeable business demands, life events, or market opportunities materialize out of nowhere. Action may be needed, and quick. Right now, you have the power to secure the cash flow to acquire the assets you need. Get financed through the banks later.

5 Common Bridge Loan Scenarios

1. Businesses needing to buy real estate or purchase equipment quickly and at a high interest rate until they can secure low interest financing through conventional lenders.

2. Individuals seeking to purchase and move into a new home before their original home sells. In this case, the equity of the original home is used as collateral to acquire a hard money bridge loan to secure the newer home.

3. Developers who need a loan to continue construction while preparing to meet long-term financing stipulations.

4. Investors needing the funds to secure, purchase, and renovate real estate.

5. Buyers needing quick money to purchase an ideal piece of real estate.

Talk to your hard money broker at Level 4 Funding and secure An Arizona Bridge Loan today!

Should any of these categories describe your current financing needs, talk to your broker at Level 4 Funding today. Take hold of the commercial or residential assets you need with a hard money bridge loan.

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.

Start a Successful Company with Arizona Cannabis Business Loans

January 27, 2019Uncategorizedbigdaddydennis

Progressive reforms in the United States are gradually making the legal cannabis industry a more viable investment. The hesitation of conventional lenders and larger distributors to invest or fund cannabis operations is creating a positive situation for smaller, commercial investors looking to enter the cannabis industry and meet the ever-growing demand. Where conventional lenders reject commercial cannabis investors, Arizona Hard Money Lenders offer solutions in the form of Arizona Cannabis Business Loans.

Cannabis reigns in the States. The 2017, US cannabis market reached $8.5 billion in worth, 90% of the world market. The current and future projections of the legal cannabis industry remain enticing to both consumers and investors with predictions suggesting that the US cannabis market will continue to grow reaching $24.1 billion by 2025. No small chunk of change.

As a main contributor to such growth, legislation trends over the past thirty years in the US have resulted in regional approval of medicinal, recreational, and commercial use of marijuana. Furthermore, with a growth in regional approval, a reduction or removal of criminal charges, and an overall growth in public interest in cannabis related products, the demand for legal cannabis continues to rise. For instance, many consumers are transitioning from illicit to legal use of marijuana avoiding legal confrontation and transferring money that would traditionally have gone into the pockets of criminal organizations instead to local businesses, communities, and state funds. Others seeking the medicinal and therapeutic benefits of cannabis or seeking to satiate curiosity after seeing advertisements or hearing of others who have tried cannabis in their community also increase the overall demand for cannabis.

More consumption can mean more money. Huge market leaps and mass consumption of legal cannabis is a favorable omen for some investors. Typical investments in the cannabis may include: agricultural, clinical, mechanical devices, or commercial real estate.

Successful Niches: Arizona Cannabis Business Loans Help the Little Guy

While certain legal limitations still exist in the United States, ironically opportunity is present for small commercial outfits eager to meet the growing demand for legal cannabis. Currently, federal limitation decreasing the willingness of conventional lenders and larger distributors to invest or fund cannabis operations has created a positive situation for smaller, commercial investors looking to enter the cannabis industry and meet the ever-growing demand. Where fewer individuals are able to enter the commercial cannabis business, others are making a niche for themselves, especially by using hard money Arizona Cannabis Business Loans.

Level 4 Funding is here to help you with Arizona Cannabis Business Loans that fit your commercial needs.

If the big banks say “no,” don’t worry about it. Hard money Arizona Cannabis Business Loans allow individuals to get a business up and running with interest rates as low as 7.99%. Where other investors are hesitant to take advantage of the commercial cannabis industry, opportunity is on the horizon. Talk to your hard money broker today at Level 4 Funding for the Arizona Cannabis Business Loans that are right for you.

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.

How Does ARV Determine Risk for Arizona Hard Money Lenders and Borrowers?

January 27, 2019Uncategorizedbigdaddydennis

When Arizona Hard Money Lenders consider granting a loan amount, they generally consider LTV and ARV. These two indicators help them analyze equity, risk, and return.

First, there is LTV. LTV is a loan-to-value ratio used to determine the amount of money a lender will lend. For example, say a home is worth $100,000 in each market. A borrower receives an acquisition loan from Arizona Hard Money Lenders for $50,000. In order to acquire the property, the borrower must match the lent amount of $50,000 with $50,000 of his or her own money. This establishes the LTV at 50%. Should, God forbid, the borrower fail to pay the lender and the property is foreclosed upon, then the lender will be buffered from loss upon liquidating the asset.

ARV, or after repair value, calculates the value of a distressed home after renovation. This ARV value helps Arizona Hard Money Lenders determine risk and equity regarding a property not only by understanding the current loan-to-value (LTV), but by looking at the after repair value (ARV). ARV is calculated by adding a property’s current value plus the value of renovations. To do this, one looks at the average price of similar homes in a neighborhood. These homes should have similar acres, rooms, features, and amenities. After this, the cost of renovating the house is evaluated, and finally the prices of renovated properties in the area are taken into account. As an example of this, say that there is a house worth $50,000 in a given neighborhood, and it will only cost $20,000 to repair it, summing up to $70,000 in total costs. However, after the renovations to the house, the property will be worth $100,000. This puts the ARV of the home at $100,000. The hypothetical profit is $30,000.

How Both Arizona Hard Money Lenders and Borrowers Benefit from ARV

Arizona Hard Money Lenders use ARV to set a cap for the amount they are able to lend. Generally, 70% of ARV is the maximum loan amount for Arizona Hard Money Lenders. Lending out more than this amount creates far too much risk for lenders. Nonetheless, the ARV establishes a ballpark idea of what lenders are able to lend by understanding how much is too much.

What is the maximum amount Arizona Hard Money Lenders will loan?

Aside from lenders, LTV and ARV help real estate investors calculate how much they can expect to receive from a hard money lender, how much they will need to put down, and how much risk they will face when trying to secure a profit. After looking at the figures, real estate investors will have a better idea if the investment is worth it to them. Will it give a good return on what they have put in? Will there be enough buffer room for them after the lender gets a cut of interest? Are the efforts of producing the renovations and marketing the property worth it in the end? Risk is at the heart of lending and borrowing hard money.

Dennis Dahlber Broker Ri CEO Level 4 Funding LLC Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Hard Money Lender
Hard Money Loans
Hard Money Loan
Arizona Tel: (623) 582-4444
Texas Tel: (512) 516-1177
Dennis@level4funding.com
Dennis Dahlberg Broker/RI/CEO

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.