Category Archives: Arizona Business Loans

3 Ways to Get More from Your Arizona rental property Loans


iStock_000002338446_LargeIf you’re taking out Arizona rental property loans, finding ways to improve your ROI is essential. However, most advice you’ll hear could wind up costing you money, so stick to the tried-and-true methods to keep your cash flowing.

Maximizing the return on your investment should always be a priority, but if you’re paying on Arizona rental property loans, that monthly check serves as a constant reminder that it takes money to make money. It also likely makes you want to work that much harder to improve your gains. Here’s how to do it without unintentionally sabotaging yourself.

1. Focus on staying full. Oftentimes, landlords come in with the intent to make improvements and then bump up rents to generate more cash. This can actually backfire because it frustrates tenants and often places their existing home outside their budget. Before you make a move to hike up rates, consider what it will cost you to replace your tenants. Chances are, you’ll make more money by keeping their rents as-is and increasing rates as people move on. This is especially true if you have really great tenants who pay on time and make life easy, so always work out what costs you might incur by having to fill vacancies.

2. Allow tenants to sublet for a fee. The Airbnb craze is here to stay. Some landlords detest it because of the potential for damage and uncertainty of who will be renting, but it’s worth noting that your tenant is still ultimately responsible for what happens in the home. Consider including a clause in your contracts that allows your tenants to use services like Airbnb, but only if they sign up for it and agree to an additional monthly fee for the duration of their lease.

3. Have a late fee clause. Nobody likes to be the bad guy, but the reality is you rely on your tenants to pay in a timely manner in order for you to make good on your obligations. Having a late fee clause can help get them to have better payment habits and will give you a small revenue boost when they don’t. Follow-through is paramount, though. If you’re uncomfortable requesting the fee face-to-face, consider using a service to process payments instead. You might find that this saves you time and money as well.

Hard Money Can Help You Add to Your Portfolio

Getting approval for Arizona rental property loans isn’t always easy, especially if you don’t have great credit or don’t have much experience with property management. If you’re in the process of picking up your first property or you already have one and want to have more but traditional funding won’t work, the more relaxed approval process offered by alternative lenders can help you pursue your dreams.

Find out if alternative Arizona rental property loans are right for you.

There are lots of ways to grow your portfolio, but finding the best terms and the right options are key in ensuring your ROI is all that it should be. Have a chat with a broker about your goals and portfolio plans to learn which options are best for your needs.

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

NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave | Austin | Texas | 78701 

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions

How to Get Arizona investment property Loans without 20-40% Down


Arizona-Home-Loan-Team-Matt-and-Judy-Callahan-150x150Banks usually expect you to make a massive down payment when you apply for Arizona investment property loans, which puts them out of reach a whole lot of investors. The good news is, there’s a way to get around the standard 20-40% most expect.

Checking out Arizona investment property loans can be a rude awakening for someone getting into the business. Most people at this stage have purchased a home to live in before and expect the process to be somewhat similar. You apply for a mortgage and your broker works some magic, then comes back with numbers and tells you what you qualify for. But, when the property you’re buying is not going to be your primary residence, a lot of that magic disappears and the yesses are replaced with nos. What gives? You haven’t changed at all, your credit is the same, and you’re diversifying. Shouldn’t the banks be happy? Not exactly.

When it comes to traditional mortgages, the bank knows you plan to live there and that you’ll do everything you can to keep your home, even when times get tough. So, they’ll sometimes give a bit of wiggle room with their options. On top of this, if you don’t have the full 20% to put down, you can often get mortgage insurance. Although you pay for it, it actually protects your lender in the event you default. When you’re making a purchase with the plan to rent it out, fix-and-flip, or fix-and-hold, mortgage insurance is not an option. Ergo, the bank is going to expect you to bring at least 20% to the table.

From there, they may expect a greater down payment if your credit isn’t excellent as well, among other things. Depending on the circumstances, that down payment can skyrocket as high as 40%. And, that’s if they approve you at all. Without a couple years of property management experience under your belt, many of the big banks won’t even consider helping you out.

Alternative Funding Can Help You Out When Banks Can’t

The good news is, there are other places you can turn to for Arizona investment property loans that are easier to qualify for and don’t require the same massive down payments. Hard money is one of those choices. While lenders still look at things like your credit and your plans or ability to manage your Arizona investment property successfully, the biggest thing they consider is its value. What’s more, it’s possible to get up to 90% of the value, meaning you could wind up only needing 10% or less, if you grab a sweet deal for less than it’s worth.

Find out if alternative investment property loans are right for you.

When people go for hard money, having an exit plan is essential. If you’ll be fixing and flipping, the natural exit is selling the home after you’ve finished the work. However, if you plan to rent it out right away or fix and hold it, you’ll either need a plan to refinance at the end of your term or have another way of paying off the balance, as lenders usually expect the balance paid off within a matter of months or just a few years. If you’ve got a property in mind, a comprehensive plan, and the banks aren’t able to help, talk to a broker to learn more about hard money and the terms you qualify for.

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

NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave | Austin | Texas | 78701 

About the Author:  Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions

Arizona commercial loans 101: Benefits and Pitfalls of 3 Common Options


1page_img2-bigThere are many different types of commercial loans in Arizona, each with their own pros and cons. Become familiar with the most common ones to determine which is right for you.

1. Bank Term Loans: The most commonly-sought form of Arizona commercial loans is bank term funding. With these, the bank lends a large sum and the borrower pays it back over a period of years with interest. Most business owners start off going for this choice, but about 75% of applicants are rejected because banks have tough criteria and expect excellent credit.

2. Lines of Credit: Similar to a credit card, lines of credit are sometimes offered by banks. With these, the business owner can take money out as they need it and pay it back over time, typically with a higher interest rate than a term loan. It’s not ideal for those who need large amounts of cash, but can work for someone who wants a cushion to help things run smoothly when cash inflows dwindle. Like the term, options, however, these are reserved for people with excellent credit.

3. Asset-Based Loans: When businesses cannot tap into cash due to bad credit, they can still sometimes get asset-based Arizona commercial loans. That means the lender looks at the value of what’s being purchased or what the borrower has and determines if it can be liquidated if the borrower doesn’t pay. When there’s less risk for a lender because an asset is available, even riskier borrowers can qualify. Equipment loans fall into this category, and work well if machinery or vehicles are needed, but sometimes borrowers can leverage other things as collateral, such as their home.

Startups and People with Rotten Credit Have Better Luck with Asset-Based Commercial Loans

Banks say “no” a lot to people who don’t have strong credit or who are just starting out, which is why alternative funding is so popular. That said, it doesn’t have to be an all-or-nothing sort of deal. Some begin with an asset-based option and later convert it to a term loan through a bank after they’ve built up credit, while others use it to bridge gaps between the time a large order is placed and the customer pays. Some also use a variety of lending forms to cover their needs. For example, a term loan to purchase real estate for the company and an equipment loan to cover the cost of company vehicles. The right mix is different for each company based on its needs, but suffice it to say, asset-based choices fill the gaps well and make it possible for more businesses to get funding when banks turn up their noses.

If you know how to evaluate various forms of lending, it’s easy to choose what’s best for your needs.

With this basic information in mind, choosing the right form of lending for your business needs is simple. That said, it’s also beneficial to work with a broker who is well-versed in all forms of lending who can confirm your decision and help you get the best terms once you’ve made a decision.


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

NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave | Austin | Texas | 78701 

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

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

How to Get Arizona Business Loans with Rotten Credit


4page_img7-bigGetting Arizona Business Loans when your company is growing can be difficult to begin with, but those without excellent credit scores face additional challenges. Thankfully, lack of cash on hand doesn’t have to halt your plans, provided you know where to look.

Credit Cards: Although few would consider credit cards to be the ideal choice, they can work if you’re trying to bridge a gap and have confidence your revenue will continue to grow. Without being able to demonstrate your business is solid, lenders will typically expect you to get cards in your name instead of the business name. Poor personal credit may give them reason to pause, but oftentimes there are options with higher interest rates or annual fees that can be tapped into. Use these sparingly and pay off the balances ASAP, so they improve your credit and you can apply for more favorable terms in the future.

Factoring: Technically, invoice factoring isn’t a form of lending, but it can help you bring in cash faster if your inflows are sluggish and you’re missing payments by a small margin. It works well if you send out invoices to clients for work completed or goods delivered, but your clients sometimes take too long to pay. When you work with a factoring company, they purchase the invoices from you and pay right away. Then, your clients pay them. Factoring companies aren’t overly concerned with your credit, but they will only buy select invoices from you when the person who owes you has good credit.

Collateralized Business Loans: One of the more popular ways to go is to obtain collateralized Arizona business loans. In these cases, you’ll offer an asset or assets as collateral, giving the lender confidence that they have recourse even if you don’t make good on your payments. These are easier to obtain as well because the lenders aren’t worried about your credit score quite as much; they’re looking at the value of the asset more. Some lenders will accept land, inventory, or equipment as collateral, though most prefer to use the business owner’s home. Terms vary, but you can sometimes get up to 90% of the value of your asset, which makes this a good choice if you require a large lump sum for startup costs, equipment, real estate, or to cover a surge in growth.

How Can I Tell Which Options I’ll Qualify For?

Applying for financing repeatedly can damage your credit too, so it’s not wise to apply for everything all at once. That’s because lenders will typically assume you may well get all the credit you’ve applied for, and if you do, the chances are slim you’ll pay them. Instead, you have to make an educated guess as to which options will fit your needs and then inquire what each lender is looking for. Do a little research before you apply to ensure credit checks aren’t being done when you aren’t likely to be approved.

If You Own a Home, Collateralized Arizona Business Loans Can Supercharge Your Company

Various forms of lending exist because people and businesses have unique needs. If your credit isn’t good, but you own your home, a collateralized option can put a substantial amount of cash in your hands now, so you can grow your business and thrive.

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

NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave | Austin | Texas | 78701 

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

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

The Guide to Arizona Investment Property Loans


iStock_000002302749XSmallMany real estate entrepreneurs turn to Arizona Hard Money Lenders for Arizona investment property loans. There are several options available when looking to obtain a loan for your investment.

All of a sudden, the market takes a 20 percent corrective move.  One of the hedges is the real estate market. Afterall, owning an investment property offers a number of perks. Becoming a landlord is a very good way to realize a passive income stream.  Keep in mind that there are a number of lenders they will require that you have skin in the game or cash to invest. Taking a loan out when you do not have a positive cash flow is one way to close the deal.

Arizona investment property loans can take several forms, including the criteria that the borrower needs to meet.  If you do not do your research and choose the wrong type of loan, it can impact your ROI or Return on Investment. You will need to do your research on the various types of lenders in your market.

You’ve probably all heard or worked with conventional bankers. Expect to put close to thirty percent down of the purchase price when your loan is on an investment property. Lenders will look at debt-to-income calculations.  Keep in mind that future rental income is not figured into this calculation. Be prepared to have six months of cash set-aside to meet the mortgage obligation as this may be a lender requirement.

One popular investment these days is the fix-and-flip model. Flipping a property is most attractive because it allows the investor to receive their profit in a lump sum after the sale of the investment property as opposed to waiting for a rent check each month.

Fix-and-flip loans are short term loans which allow the investor/landlord to make the needed renovations.  Once the renovations have been completed, the investment property is put back on the market as soon as possible.   Fix and flip Arizona investment property loans are secured by the property.  You may want to also look at a real estate crowdfunding site as an option.

The advantage of using a hard money lender as opposed to a conventional lender is that it is easier to qualify.  The hard money lender looks at the after-repair value (ARV) as to if you are able to repay the loan. The advantage of a hard money lender versus a conventional lender is the speed of getting the loan, days as opposed to weeks or months as is customary with a conventional lender.

Interest Rates

Expect to pay higher interest rates when compared to conventional lenders.  You will also need to pay points of the Arizona investment property loan amount upfront to close the loan.  Some lenders allow you to take the cost of the points out of the proceeds of the loans.

More home owners are looking to Arizona Hard Money Lenders for home equity loans.

If you are a home owner and have equity, then you can access the equity through various loan programs.  There are some loan programs that access the equity like a credit card and allow interest-only payments.  A cash-out refinance is another option and a long-term loan is the final option. Both rental properties and fix-and-flip ventures are risky.  The opportunity for big returns, however, is attractive. If the obstacle you face is funding the necessary money, consider a hard money lender for your next investment property.

Happy senior business man making his notes at work Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC 
Hard Money Lender
Hard Money Loans
Hard Money Loan
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
Dennis Dahlberg Broker/RI/CEO

NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave | Austin | Texas | 78701 

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

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

How Lines of Credit Work with Arizona Commercial Loans


Business cardCommercial lines of credit are very popular with the small business financing of today—and are the most misunderstood. Here, then, are some of the basic facts that can help you decide if this type of Arizona Commercial Loan is right for your small business.

A line of credit allows a company to draw on a predetermined amount of money.  To access the funds, the company just needs to draw on the line. Every time you draw on the line, you are reducing the amount of funds you can draw from.  The inverse is that you can pay down the line of credit at any time, thus increasing the available funds to draw from. A conventional credit card works much like a revolving line of credit.

When getting the Arizona line of credit, the bank restricts the use of the funds.  Since it is a Arizona commercial loan, the funds can only be used for business purposes.  Your company can use these funds to cover short term needs such as paying suppliers, covering payroll, and other corporate expenses.

Just like all types of lines of credit, there is an associated cost. The costs vary depending on the size and risk of the line, and the fees are based on the outstanding balance. There are additional fees such as availability and maintenance fees. These fees vary by bank. Most banks require that the full balance of the line of credit be paid down in full once a year.

Lines of Credit: Secured and Unsecured
  1. Secured Lines

Both corporate and personal collateral can be used for this type of line of credit.  These assets will be used to secure the repayment of the line of credit. If the business owner defaults, the bank will foreclose on the assets to pay off the loan. Various types of assets can be used such as account receivables, inventory, cash, machinery, securities, certificates of deposits and real estate.  The pleaded assets will be secured by the bank filing a UCC.

  1. Unsecured Lines

This type of line of credit does not required collateral such as outlined above.  The unsecured line of credit will be personally guaranteed by the business and often includes a personal guarantee by the business owner.  In the case of a default, the bank will sue the business owner personally as well as the company.

When applying for a Arizona commercial loan, the bank will examine the company’s income statement (P & L and Balance Sheets).  These reports will help the bank determine if you can repay the loan.

Most banks will want to review two years of financial reports. The bank wants to see two years of operating profits.  The bank also wants to see assets on the balance sheet such as accounts receivable, machinery, inventory and real estate. This requirement varies by bank.  The line of credit based on these assets runs around 50% of the net value of the asset such as the machinery after depreciation.


Dennis-Dahlberg-Mortgage-Broker_thum[1]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

A Borrower’s Guide to Arizona Business Loans


4page_img5-bigThere are several different types of loans suitable for businesses. Make sure you know the difference between each one before choosing your next Arizona business loans.

If you are running a business, you may find yourself in need of working capital, new equipment, or additional inventory.  A business loan specifically for one of these needs may be your best bet when it comes to continued success or hanging in there during the slow season. There are an assortment of Arizona business loans to choose from including bank loans, mezzanine financing, asset-based financing, invoice financing, microloans, business cash advances and cash flow loans.

  • Bank loan: Just as the name indicates, the originator of this type of loan is a bank.  The loan may or may not be a secured loan. A secured loan requires approved collateral.  If payments are not made, then the collateral will be kept and usually sold. An unsecured loan is, just as the name states, one in which there is no requirement to pledge collateral to obtain the loan.  Before making an unsecured loan, a bank may want to see the borrower’s business accounts, balance sheet and business plan, the principal’s background, and credit histories.

  • SBA Loans: The Small Business Administration is a government agency that offers guaranteed backed loans through your local bank.  The SBA (a) includes both a standard and express loan approval process.

  • Mezzanine finance: Mezzanine financing effectively secures a company’s debt on its equity, allowing the lender to claim part-ownership if the loan is not paid back in full and on time.  The loan is made with collateral. Dilution of the debtor’s equity occurs in a default situation.

  • Asset-Based Finance: If you are lacking the credit rating or track record to qualify, this type of financing has become a very popular choice.  The lender focuses on the borrower’s assets instead of their credit rating. Various assets are considered including the premises, plant, stock, or receivables.

  • Invoice Finance (factoring): An alternative to conventional financing, this type of lending requires the borrowing at a discounted amount of the invoices.  Once established, you will be able to obtain funds as soon as a new invoice is created. This may not be the best option for your business.  There may be a negative view by customers, and the lender will take ownership over the businesses’ invoices until the loan is paid.

  • Microloans: These Arizona business loans are for amounts of $100,000 or less.  Alternative lenders are more likely to make these types of loans than traditional banks.  If the traditional bank makes this type of loan, it is made based on the individual personal credit score than the business credit score.

Checking out Online Lenders

A number of online lenders have begun popping up on the World-Wide-Web.  Since 2014, $12 billion dollars have been made. Since 2000, non-bank online lenders have doubled their outstanding portfolio balance each year. Another option is crowdfunding—an option that allows businesses to raise capital from a wide variety of sources.

Personal guarantees are usually required if you own a certain percentage of the business.

If you are an owner of 20% or more of a business, most lenders will require a personal guarantee.  This allows the lender to collect on a Arizona business loan in the event of a default.  In most cases, as a personal guarantor, you will need a strong personal credit score. 


Dennis-Dahlberg-Mortgage-Broker_thum[1]_thumb_thumb_thumb_thumbDennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC 
Hard Money Lender
Hard Money Loans
Hard Money Loan
Arizona Tel:  (623) 582-4444
Texas Tel:      (512) 516-1177
Dennis@level4funding.com
Dennis Dahlberg Broker/RI/CEO

NMLS 1057378 | AZMB 0923961 | MLO 1057378
22601 N 19th Ave Suite 112 | Phoenix | AZ | 85027
111 Congress Ave | Austin | Texas | 78701 

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

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

How to Make the Most Out of Arizona rental property loans

4page_img1If you have obtained a loan for a rental property, it is time to decide how you are going to make the most capital out of your investment. Drive the value of your investment up by strategically making the most out of your Arizona rental property loans.

If you are new to the world of investing in property or are considering investing in rental property, it does not have to be an overwhelming process! Getting a rental property loan or finding a loan for a second home definitely does not have to be an intimidating time. This helpful cheat sheet can guide you through the process and introduce you to some key ideas on how you can make the most out of your Arizona rental property loans and start making money for your business or company today.

First of all, if you are interested in investing in rental property, you are going to have to meet certain requirements in order to qualify for a loan at the bank.

  • Typically a 20% down payment on the property This is because is most cases insurance may not be available for rental properties.

  • 2 years or more of experiences with previous property management

Do these qualifications seem a bit intimidating! Don’t worry. For individuals that fail to meet these requirements, there are still other opportunities to find the right loan. These are other avenues to consider. This means that regardless of your experience or financial status you can start investing in real estate today with the help of:

  • A business partner. hard money lenders, private money lenders

Don’t let inexperience prevent you from investing in property. Even the most experienced investors had to start somewhere! Investing in rental property can grow your own personal assets or even grow the assets of your business or company. With the help of investing, you can grow you capital overtime and even potentially retire early!

How Do I Know if a Rental Property Loan is Right for Me?

The time is now to start investing in the real estate market. It does not have to be a challenging process! Finding the right lending opportunities or rental properties to pursue is as easy as picking up the phone or sending an email. Build your network of individuals within your community and you will promptly find lending opportunities near you.

With any business venture or lending opportunity, it is important to survey your options and make an educated decision on any loan you choose to pursue.

Regardless of your inexperience, you can start investing in real estate today. Achieve your dreams of retiring early and grow your assets by investing in rental properties. The right lending opportunity for you and your needs will be dependent on your level of experience and financial restrictions such as your credit score. Even with a lower credit score, you may still be eligible for a loan through a variety of different lending opportunities.


Dennis-Dahlberg-Mortgage-Broker_thum[1]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.
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Triple Your Property Value With Arizona Investment Property Financing


825082878Investing in the right loaning opportunities when it comes to property can dramatically grow the value of your property. Learn how to exponentially create your earnings by choosing the correct lending opportunities to grow your assets and secure a bright financial future for your business or company.

If you are trying to increase the value of your business or company and grow your assets, Arizona Investment Property Financing may be the perfect solution for you and your company. Investing in your business or company through the acquisition of loans can give your business the added capital or funds needed in  order to go after new business ventures. In fact, Arizona Investment Property Financing can even added to your property value substantially.

What could you do with an investment property loan? If you are attempting to invest in real estate, this could be an excellent step in the right direction. These helpful tips can be a good way to get started and begin to triple the value of your assets or properties.

1. Make a down payment that is as large as you can afford. Qualifying for the best interest rates is only possible when you are able to put a substantial down payment on your potential investment properties. If you don’t currently have the funds to make a large down payment, you may want to wait to invest or opt to acquire a second mortgage. Speaking to an experience broker may help you find the best choice for your particular financial situation and budget.

2. Big banks may not be the right way to go. Choosing local businesses or a local lending opportunity may be a better choice than choosing a larger bank. Typically, a smaller bank will have more financing options and more flexibility in their requirements for financing. This means that when investing it may be best to stick to local lenders rather than seeking the help of larger banks or lenders.

3. Think outside of the box. Don’t be afraid to get creative. You may opt to borrow from a person rather than an organization such as a bank. Private lenders can be a good way to find a particular lending agreement that suits your budgets and your needs. Similarly to local banks or smaller banks, a private lender may have more flexibility and able to work with you to accommodate a specific budget or financial limitations.

How Do I Know Which Properties to Invest In?

Arizona Investment Property Financing may seem like an intimidating process for beginner investors or new entrepreneurs.  However, with careful planning and strategy, investing in property can be a successful tool for growing your assets and developing your business or company.

Finding the best investment opportunities is a gradual process but with time can be the perfect tool for you to achieve your business dreams and goals.

Whether you are new to the real estate world or are a more experienced investor, hopefully this guide gave you some insight on the world of investing and finding the best opportunities for you and your needs.

Dennis Dahlberg Mortgage Broker_thumb_thumb_thumb_thumb_thumbDennis 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.
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How to Find Arizona investment property loans Even With Rotten Credit


Are you looking to invest in property but do not have high enough of a credit score to do so? Don’t let poor credit prevent you from following your dreams and learn how to find the perfect lending opportunities for your business or company.

A bad credit score or poor credit rating does not have to completely define you or your Arizona Business Loans. Investing in real estate is a real possibility even for individuals that are suffering for a low credit rating. Don’t sit around waiting for your score to rise before jumping on your business goals. Build you credit score up and achieve your financial goals by finding Arizona investment property loans that are available even for individuals with low credit ratings.

  • Arizona hard money loans – A hard money lender is a valid option for many individuals seeking a lending opportunity and that also have a poor credit rating. Since Arizona hard money lenders are private lenders, they do not work with banks. This means that you can develop a personal relationship with a lender rather than having your credit score speak for you.

  • Private Money Lenders – There are a variety of businesses eager to invest in the goals of smaller companies or businesses! Networking with business leaders in your area could help you find private money lending opportunities in your area. These opportunities could work with you without having to worry about your lower credit rating get in the way.

  • Business Partners – If you can’t acquire a loan on your own, finding a business partner may be a helpful solution. A business partner can help you find opportunities, such as Arizona investment property loans, and assist you with the funds or credit rating needed to go after your goals.

Remember that you CAN achieve your business dreams regardless of a lower credit rating! Don’t let a poor credit score get between you and your business goals. Go after you dreams by making smart business decisions and define a brighter future for yourself. Stamina and persistence is key to finding a successful lending opportunity even when you currently have a lower credit score.

Find Loan Opportunities Near You Even with a Poor Credit Rating

Even if you have a lower credit rating, you can still go after your business goals. There is no reason you cannot start pursuing your business dreams today even if you currently have a lower credit rating. There are plenty of lending opportunities available for individuals with a lower credit rating available. The trick is finding these opportunities and using them to achieve your goals!

A poor credit score should never mean giving up on your financial dreams or goals since there are a variety of different lending opportunities available for individuals of a variety of different financial levels.

Regardless of your financial situation, it is still possible to pursue your financial dreams and seek profitable investment opportunities. Have confidence and know that with the proper dedication you can find lending opportunities even with a lower credit score.

Dennis Dahlberg Mortgage Broker_thumb_thumb_thumb_thumbDennis 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