Monthly Archives: April 2019

4 Reasons Investors Like Arizona Hard Money Loans

While not all investors understand hard money loans, those who do know that when used correctly there is a great potential for return on investment. Below are four of the biggest benefits of these loans.

Not every loan is right for every type of property, and in some cases, a property can be in a condition that makes it difficult to secure any loan at all. But smart real estate investors know that Texas Hard Money Loans can be a great resource because of all the great benefits that they offer over a traditional bank loan. These asset-based loans open up a lot of doors for credit challenged investors as well as investors who have a great many projects running in succession.

By far, one of the biggest benefits of Arizona Hard Money Loans is the fact that the entire process is far less stressful and much faster than a traditional bank loan application. The bank will require a myriad of documents to prove your financial status, but Arizona Hard Money Lenders are only interested in a few tax returns to make sure that you can keep up on the loan payments. And once the bank has all of your documentation, they pour over it for weeks before making a decision. A hard money lender is likely to review your documents and the property information and respond within a day or two.

An additional benefit of Arizona Hard Money Loans is that the terms are all negotiable. This included the interest rate, the length of the loan and even the loan amount. Banks have set terms for all of this and are never willing to negotiate. But working with a private lender means that you can get the customized loan that you need, not the loan that some banker wants to give you.

Long Term Working Relationship

As a real estate investor, you are going to need loans for each project that you undertake. The benefit of working with a hard money lender is that you can cultivate and grow the relationship to benefit you both. A bank could have a dozen loan officers but you will not see a new face with each loan when using a long time hard money lender. And as your history and relationship grow, so will the benefits and the comfort level of requesting a loan. That is a huge stress reduction for any business person.

Great For New Investors

As a new real estate investor, you will find it very difficult to meet the loan criteria of a traditional bank. They will require a stellar credit score, a minimal debt to income ratio and years’ worth of tax and banking statements to even consider lending you the money you need. But a hard money lender will just ask for tax docs and the particulars on the property that you are looking to buy. If you have made a wise selection and the deal looks profitable, then the hard money lender is going to be willing to take a chance on you. So, it is clear to see why many investors favor using hard money for their projects.



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


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Top 5 Criteria Arizona Hard Money Lenders Are Looking For

Securing loans from Arizona Hard Money Lenders is not like getting a loan from a bank. Knowing what these lenders are looking for is critical to a borrowers success.

There are numerous benefits to hard money loans, but unless borrowers are aware of the five main criteria that Arizona Hard Money Lenders are looking for, they will miss out on these great loan opportunities. A simple application process is definitely one of the biggest benefits to hard money, but lenders still will require some information and documentation to approve a loan.

Even though Arizona Hard Money Lenders base a large part of the decision on the value of the collateral, there is still some interest in the financial health of the borrower. Lenders are not really worried about the borrower’s credit score as much as they are interested in the borrower’s ability to make the payments on the loan and to pay the carrying costs of the property. Most lenders will ask to see two year’s tax returns to verify income. The tax returns are a good way to see overall income and that also benefits any investors who are self-employed and do not have check stubs or a w2. In addition, most lenders will ask for a personal financial statement to evaluate the borrower’s debt to income ratio. Again, having the ability to make the payments is all that the lender cares about.

The value of the property is a major concern and consideration for lenders. They want to see that the property holds the potential for a good resale that will turn a profit for the borrower. Again, this is a security measure for the lender and assures that he or she will get repaid. Along these lines, it is also important to note that most lenders who offer hard money will require that they are the first lien holder to ensure that they get repaid.

Borrowers Need Experience

An experienced borrower represents a lower risk that someone who has never flipped and investment property before. Lenders are willing to take a certain amount of risk for a set level of profit. But if the borrower has no experience, then the level of risk increases, as does the interest rates and the likelihood of a default on the loan. Lenders don’t want the hassle of trying to sell a property to recover their money. They want payments on time and easy interest. So having an experienced borrower is a huge advantage and one that will secure a hard money loan.

Professionalism Counts Too

As with any business transaction, professionalism is a clear benefit. Lenders are looking for borrowers who are well prepared and have their documentation ready when they submit a loan request. Documents such as LLC organizational documents, lists of previous purchases and completed projects, plans for the current project and a timeline and exit strategy will all demonstrate that the borrower is experienced in the process and knows how to get a project completed on time and on budget. Meeting these five main criteria will all but guarantee that Arizona Hard Money Lenders are going to be eager to fund your request for hard money.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

Dennis Dahlberg Broker/RI/CEO


NMLS 1057378 | AZMB 0923961 | MLO 1057378

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

111 Congress Ave | Austin | Texas | 78701  

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

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


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Self Employed? Here’s How You Can Still Get the Loan You Need

Think you can’t get a home loan if you’re self-employed? You actually can, and it’s easier and cheaper than you might think. Let’s look at Colorado Self-employed Home Loans.

In the old days before the recession, you could walk into a bank, verbally tell them how much you make, and walk out approved for a home loan. These days, things have changed. Of course, this is generally a good thing — it will keep people who can’t afford to make payments from taking on too big of a house. This, in turn, should keep the housing market from disintegrating the way it did 10 years ago.

However, there’s one group of people who have been left out in the cold by the new Dodd-Frank regulations — the self-employed. You can have spotless credit and a healthy down payment, but if you don’t have those official pay stubs, the bank could slam the door in your face.

A lot of self-employed people give up there, assuming that there’s no way they can get the funds they need for their home purchase. Thankfully, there is another route.

Home Loans for the Self Employed

Colorado Self-employed Home Loans do exist but you won’t find them at the bank. Where you will find them is with private lenders. Private lenders work outside the conventional banking system, so they aren’t as beholden to the regulations as the banks. That means they can choose to take on a risk and loan money to a home buyer if they want to.

There are a few distinct advantages to this approach. The biggest is that you don’t have to produce pay stubs; you can show a bank statement or a tax return instead. You can also get approved much quicker (as little as 1-2 days) and get the money much quicker (sometimes as little as a week). And, because it’s private money, the lender is flexible; you can work together to find terms that work for both of you.

Self-Employed Home Loans in Colorado

Looking for a self-employed home loan in the state of Colorado? You’ve come to the right place! We specialize in these types of loans and offer some of the best terms in the business, including credit qualifications down to 620, rates as low as 4.99 percent, and no prepayment penalties. Give us a call today to find out how we can help!

Dennis Dahlber Broker Ri CEO Level 4 Funding LLCDennis 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 and 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
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How To Qualify For Arizona Hard money Loans

Texas Hard Money Loans are not as tough to get as borrowers often think. The name is actually very misleading once you understand what it takes to really qualify for hard money.

The term Arizona Hard Money Loans is somewhat misleading as it makes most borrowers think that it is very difficult to get these loans. But what the word hard is actually referring to is the hard collateral or real estate, that is being used to secure the loan. There is really nothing hard or difficult about qualifying for these asset-based loans.

Asset-based lending is quite different than traditional lending in that the approval for a loan request is based on the value of the collateral for the loan. In most cases, the collateral is the property that is being purchased but in some cases, the loan could be secured with another property that the borrower owns outright. Unlike a traditional loan, where the credit history and current debt load of the borrower are the main criteria for qualifying for a loan. But there are a few other points that a lender will take into consideration when evaluating Arizona hard money loans.

In most cases, the lender will provide up to about 70% of the money required for the purchase of the property. This means that the borrower needs to have a down payment of up to 30% of the cost of the property. Lenders will require that the borrower show proof of the funds that will cover the down payment before the loan is approved and funded. Not only does this motivate the borrower as he or she has personal funds invested but it also creates instant equity in the property. This is a security feature for the lender. In the event that the borrower defaults on the loan, the lender will be able to take possession of the property and sell it for at least as much as the outstanding loan balance.

Cash Reserves And Stability

In addition to proof of the down payment funds, the lender will require proof of financial stability and the ability to make the loan payments and other carrying costs associated with the property. If the borrower has a good amount of reserve cash, then the lender is more likely to approve the loan and could even offer a better interest rate as the loan represents less risk. Too many real estate projects grind to a halt when unexpected costs or issues arise and the investor is not able to pay the added costs. In these cases, the loan often falls into default and the lender is forced to try to sell the property to recover his or her investment.

Experience Counts

The real estate investment business can be very challenging. Lenders know that this business can derail many new investors who think that property flips are a great way to make some fast cash. One of the critical ingredients for a successful investment is a borrower who has experience with Texas Hard Money Loans and with real estate investing. These borrowers are far more likely to be successful and also far more likely to secure a loan with a reasonable interest rate. Meeting these three criteria will pretty much assure a borrower that his or her loan request will be approved.



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


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Arizona Commercial Hard Money Lenders VS. A Bank

Not all borrowers are familiar with the benefits of Arizona Commercial Hard Money Lenders. Knowing the difference between bank loans and Texas Hard Money Loans is very important when seeking a loan.

Many borrowers hear the phrase Arizona Commercial Hard Money Lenders and they picture a group of unsavory characters who are doing business in dark alleys and in the basement of old condemned buildings. But that is not even remotely accurate. Arizona Hard Money Lenders are just private lenders who are offering loans based on the value of the collateral being offered rather than the credit score and credit history of the borrower. And as you might guess, adding in the word commercial simply refers to the type of property.

Because the lenders are private and not traditional, meaning banks and mortgage companies, they are free to finalize the terms of any loan in any manner that they see fit. But there are some general terms and numbers that can be used when comparing these private lenders to traditional lenders. In the past, when private lending was not as popular, the terms and rates were less generally accepted, but in today’s competitive market and with larger numbers of Arizona Commercial Hard Money Lenders, the terms are very similar.

When seeking a loan from a bank, the approval is based on the borrower’s income, credit score, tax returns, and other personal financial information. A private lender is basing the loan approval primarily on the value of the real estate being used as collateral for the loan. So, for the borrowers with a FICO score under 700 who get turned down by more banks, hard money is a great option. In addition, traditional lenders require a huge mountain of documentation to verify all of the borrower’s financial information, but a private lender only needs to get some very basic personal information and then some details on the collateral property.

Time Is Money

In the world of real estate, time is a very, very valuable commodity. And unfortunately, nothing in the traditional lending world moves quickly. A bank or mortgage company will require a loan committee review all the borrower’s documents and financials to determine if the loan application will be approved. But a private lender can quickly and efficiently review the collateral property’s information and determine if the loan can be funded and the exact amount of the loan. A bank or mortgage company is likely to drag out the loan approval and funding process for as long as three months while a private lender will often times have the loan funded in under ten days.

Upfront Fees

A traditional lender is going to charge fees regardless of the decision to fund or reject a loan application. There could be inspection, appraisal, application and research fees that must be paid even before the first document is reviewed. But Arizona Commercial Hard Money Lenders are going to be much more likely to charge only a minimal fee is any at all before determining if the application will be granted or rejected. Understanding the differences between working with a traditional bank and a private lender will certainly help borrowers to make a more well-informed choice when seeking a loan.



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


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Get in on a Hot Industry with Cannabis Loans

With more and more states legalizing marijuana for recreational and medicinal use, the cannabis industry is exploding. Learn how to get in on this burgeoning industry with Colorado Cannabis Business Loans.

Today, marijuana is legal for recreational use in nine states and is legal for medicinal use in 30 states, including Colorado. If you’re looking to get into the business, there are a few steps you can take first.

  1. Find out if your county or city is currently allowing applications for licenses. Because the government is trying to control the number of new cannabis dispensaries that pop up, some cities and counties limit the licenses they award.

  2. Make a corporate structure for your new marijuana business. Build a corporate structure that’s compliant with the state’s regulations.
  3. Have a solid business plan. Do your research and come up with a business plan that includes projections and pro forma financials.
  4. Apply for all the necessary licenses. Keep in mind that the application fee can be in the thousands of dollars and that you may have to show proof that you have at least $150,000 in a financial institution.
  5. Contract cultivators and growers. Or, if you’re proficient, you can grow your own.

Getting Funding for a Cannabis Business

Starting a cannabis business isn’t cheap. There are a wide variety of upfront costs, including application fees, rent, and utilities for your storefront, and advertising to make people aware of your business. Plus, as we detailed above, your state may require you to have $150,000 in a bank just to apply.

So where do you get funding for a cannabis business? Some banks may be willing to help, but they’re usually pretty averse to risk, and a cannabis business is riskier than most because it walks a line in terms of legality.

Another option is a hard money Colorado Cannabis Business Loan. Hard money is much easier to qualify for than a bank loan. There’s no begging, jumping through hoops, or having your entire history dug up. Interest rates can be higher and the terms can be shorter, but there are also fewer fees and you can get the money in a matter of a week or two.

Cannabis Loans in Colorado

Need a Cannabis Business Loan in Colorado? We have extensive experience in both the lending industry and the marijuana industry, so we are in a unique position to help prospective cannabis business owners succeed. Give us a call today and we can talk about the details!

Dennis Dahlber Broker Ri CEO Level 4 Funding LLCDennis 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 and 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
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What’s the Difference Between Hard Money and Conventional Construction Loans?

Just like the real estate business, the lending business has changed a lot over the last several years, but one thing is always constant: investors need funding for their construction projects. So which route should you go: conventional bank loans or Colorado Hard Money Construction Loans? Let’s look at which one is best for you.

Here’s what you need to consider when you’re looking at a traditional or a Colorado Hard Money Loan for a construction project:

  1. How fast do you need your money? When you’re building, sticking to the budget and schedule are two of the most important elements to success. With a bank or credit union loan, you might wait over 30 days to get your funds, and that’s not including the application ordeal (which we all know can be a nightmare). The application process for Colorado Hard Money Loans takes 1-2 days and the funds can be in your account in a week or two.

  2. What do you qualify for? Banks don’t want to take on much risk, especially after the new restrictions that were put in place after the recession. Plus, they have complicated underwriting processes, so they put institution requirements in place for borrowers to qualify. They want you to have a certain credit score, they want you to have a healthy cash flow, and they want you to have a nearly spotless history. Colorado Hard Money Construction Loans come from private sources and are secured with collateral, so lenders aren’t as worried about your credit score and financial history.
  3. What loan structure do you want? With banks, loans are a one-size-fits-all affair. With hard money, lenders can tailor the loan to fit your needs, both in terms of collateral release and repayment terms.

Which Type of Loan is Right for You?

The answer depends on a range of factors. If you’ve been told no by the banks, a Colorado Hard Money Loan might just be the way to get your project the funds it needs to get off the ground. If you have the time to wait and don’t mind the less flexible loan terms, the bank may be a better option. Ultimately, the right loan will depend on your priorities. Weigh the pros and cons carefully.

Hard Money Construction Loans in Colorado

If you feel like a Colorado Hard Money Construction Loan is the right move for you (or if you want to find out more), give us a call today! We offer loan values up to 90 percent LTV, 24 months interest only and rates from 9.5 percent.

Dennis Dahlber Broker Ri CEO Level 4 Funding LLCDennis 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 and 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
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Understanding How To Make Arizona Hard Money Loans Work For You

Borrowers need to understand how Arizona Hard Money Loans work to take full advantage of their benefit. Used correctly these loans can provide a huge ROI.

Arizona Hard Money Loans are simply another name for asset-based loans. What this means for borrowers is that the loan approval is based on the value of the property being used as collateral and not so much on the creditworthiness of the borrower. In addition, these loans are not funded by a traditional bank. Instead, they are offered by private lenders who are in business to make money from the interest on the loans that they make. And being that these loans are from private lenders, the terms, while normally shorter in term, can be much more flexible than a loan from a traditional bank.

Asset-based loans can be used to purchase just about any type of property including single-family and multi-family residential, commercial, land or even industrial property. It can be important to know what types of loans a given hard money lender specializes in, or if he or she will fund any type of property loan. The only stipulation is that Arizona Hard Money Lenders will not fund a loan for an owner-occupied property because of the additional rules and regulations on those types of loans.

Because these loans cannot be used for owner-occupied properties, these loans are normally used by real estate investors. Investors appreciate that hard money will fund much more quickly than a traditional loan and that the lenders are often far more flexible on the terms of the loan. In addition, because the loan approval is based on the collateral value and not the borrower’s personal credit or credit history, borrowers can carry many Arizona Hard Money Loans which are not often possible in the case of a traditional lender.

Best Deals For Hard Money

Arizona Hard Money Loans are not the best choice for every deal, but they are tailor-made for some types of deals. The terms and process of funding hard money make them the perfect resource for real estate investors who are interested in fix and flip properties, land or construction loans or when there is a great deal of competition for a property. The fast funding allows the borrower to secure the property and then refinance to a longer-term loan.

The Fine Print

As a rule, hard money is normally a tool used for higher risk loans. And as such, the cost of the loan is a bit higher than a traditional loan. The rates will vary from state to state. Areas with more Arizona Hard Money Lenders will tend to offer more competitive rates as opposed to areas with fewer lenders. Typically, borrowers can expect to pay between 10-15% interest on hard money as well as 2 to 4% of the total loan in points. But for a fast approval process and less strict credit requirements, hard money is a great option for borrowers who understand these loans and know how to use them properly.



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


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What are Buy and Hold Loans?

Most real estate experts will tell you that Colorado Buy and Hold Loans are a great investment strategy that can transform your portfolio. But what exactly is “buy and hold” and is it a good idea for you?

Buy and hold real estate is pretty straightforward. In fact, it’s exactly what the name implies — you buy a property and then hold on to it for a period of time. Most investors choose to rent the property out while they’re holding it and then sell it once it’s appreciated to a certain point. For the right piece of property, it’s a win-win; you get a steady income for a few years, then a nice chunk when it sells. You can then roll that profit into another buy and hold.

To find a workable buy and hold property, you’ll want something you can add value to. Turnkey buy and hold properties are few and far between and will usually go really close to asking price. Instead, look for a property that needs some cosmetic work or some basic updates. You don’t have to completely rehab it. Usually, a new coat of paint, new floors and sprucing up the kitchen and bathrooms will suffice.

Getting Financing for Buy and Hold Real Estate

Once you’ve found the perfect property — whether it’s a rehab or something that’s almost ready to rent — you’ll need to secure financing. If you’ve got nearly perfect credit and the financial past of a saint, you may be able to go through the bank. If not, you’ll want to look into other options, like FHA financing, private money, or hard money. In fact, hard money Colorado Buy and Hold Loans are a great way to break into the game because they are flexible and can be tailored to your situation.

Want to hold on to the property for up to four years? That can be done. Need up to 90 percent loan-to-value ratio? That’s doable, too. Want to convert into a longer-term loan? Easy as pie. Need to move lightning fast on a hot property? Hard money can be in your account with a couple weeks.

Go with Hard Money for Your Next Buy and Hold

Whether you’re ready to take the plunge for your first buy and hold real estate investment or you’re an old pro, we’ve got Colorado Buy and Hold Loans that will work for you. Give us a call today and we can discuss the details!

Dennis Dahlber Broker Ri CEO Level 4 Funding LLCDennis 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.

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5 Reasons To Use Arizona Commercial Hard Money Lenders

Arizona Commercial Hard Money Lenders are not the solution for every borrower. But there are several situations when hard money is a great option.

Traditional loans are generally more cost-effective than hard money, but there are many reasons that borrowers are often eager to work with Arizona Commercial Hard Money Lenders. As you might expect, you get what you pay for in hard money just as you do in most cases. And getting a more customizable loan is often worth paying a little extra for. In addition, borrowers know that their personal credit history will not be an issue as Arizona Hard Money Loans are based on the value of the collateral.

Getting a commercial loan quickly is not going to happen if you are working with a bank or mortgage company. But Arizona Hard Money Loans can process much more quickly because the approval is based on the value of the commercial asset and not the creditworthiness of the borrower. So in many cases, a borrower will gladly pay the higher rates for the faster funding offered by. Arizona Commercial Hard Money Lender

Another reason borrower turn to Arizona Hard Money Lenders is that they have been declined by a traditional lender. This could be due to lack of documentation, the age of the business or even the debt load of the business. You could also have personal credit issues which reflect poorly on your business and have caused a bank to shy away from working with you. In these cases, borrowers have the option to use the commercial property as collateral and are happy to work with a hard money lender.

You Need A Unique Solution

Most traditional lenders are not very creative and will only fund a very specific type of loan. But if you are looking to use multiple properties as collateral or if you need a more creative loan solution, then Arizona Commercial Hard Money Lenders are the way to go. Not only can you be more creative with the collateral for the loan but you can also request specific loan terms such as the repayment schedule or even the term of the loan. Arizona Hard Money Lenders are very familiar with creative loan terms and are willing to work with borrowers when traditional banks are not.

Lack Of Citizenship

There are many businesses in the United States that are owned by foreign nationals. And while this is a great opportunity for the business owner, it makes it very difficult for him or her to secure a loan from a bank or a mortgage company. But working with an experienced hard money lender, borrowers don’t need to worry about not being a U.S. citizen. Again, the lender is interested in the value of the property being used as collateral and not the credit history of the borrower. So, a foreign borrower has very little to do with the approval or denial of a hard money loan. Understanding these five reasons to use commercial hard money can be a great help to any commercial borrower who is struggling to secure a loan from a traditional bank or a mortgage company.



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


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