Category Archives: Arizona hard money loan

Using Arizona Hard Money Loans for Long-Term Purchases

Most information points to using Arizona Hard Money Loans only for short-term investments. But there is a reason to take advantage of hard money when making a long-term purchase.

Every article that you read about Arizona Hard Money Loans points to using this financial tool only for a short-term project such as a fix and flip. And these loans are perfect for a short-term project. But all of the benefits that make Arizona Hard Money Loans appealing for the short term investor can also make them appealing for a longer investment.

The easy application processes and the fast approval make hard money a solid choice for any purchase that is time sensitive. Most investors think of fix and flip properties for tight time frames. But there can be other properties which have a great many potential buyers which would also require fast funding to secure the purchase. After the purchase is secured, the borrower has the time needed to complete a traditional loan application with a bank or mortgage company to extend the loan terms as to also decrease the interest rate.

Hard money can also be used to purchase a property that is going to require a lot of repairs or renovations and does not meet the lending requirements of a traditional institution. Once the property improvements are completed, the borrower can then apply for a traditional loan and again take advantage of the longer repayment schedule and the lower interest rate.

Tailoring Arizona Hard Money Loans

Because hard money is offered by private lenders, the terms of these loans are able to be customized at the discretion of the lender. In many cases, a borrower will request that the first payment not be due on the loan for two or even three months. This allows more time to secure a traditional loan. In return, the borrower is paying closing costs, points and sometimes other fees to the hard money lender for this added consideration. But it saves the borrower the higher interest on the monthly loan payments.

Hard Money is Useful

In the past, many borrowers were under the misguided opinion that hard money was a less than legitimate resource and that the high cost made hard money a bad choice for an investment opportunity. But as the real estate business has evolved, investors have become far more savvy about how and when to use hard more for a real estate deal. Short-term purchases, as well as long-term purchases of a very desirable property, are especially well suited to using a hard money loan. In addition, hard money is a good option for an investor who is carrying several traditional loans and does not have the credit to request another bank loan. The hard money is used essentially as a bridge to make the purchase until another project has been completed and the loan is paid off. Learning to skillfully use hard money is certain to offer any real estate investor many new options for growing his or her business.

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

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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Open Your Eyes To Arizona Hard Money Loans

October 24, 2018Arizona hard money, Arizona hard money lender, Arizona hard money lenders, Arizona hard money loanarizona hard money lender, arizona hard money lenders, Arizona hard money loansbigdaddydennis

Not every aspect of Arizona Hard Money Loans is perfect for a borrower. But the advantages can often outweigh the drawbacks.

Nothing in this world is perfect and there is no perfect loan for every type of purchase or for every borrower. In the perfect world, money would be offered with no interest and the terms would be up to the borrower to determine. But in the real world, everyone must understand that lenders are also in business to make money so fees and interest are just the cost of borrowing money.

Arizona Hard Money Loans do have more fees and a higher interest rate than some traditional banks and mortgage lenders. But the justification for these added fees can be understood when you compare a hard money loan and the process of obtaining hard money to a traditional loan and working with a traditional lender. Everyone knows that time is money, but hard money puts that saying to the test. The application process for a hard money loan is only a fraction of the paperwork and time that you would need to invest in secreting a traditional bank loan. And the approval for hard money is also much faster. It can take up to 90 days for a bank to respond with an approval of your loan application but a hard money lender can often respond in just a few days and have your loan funded in just about a week.

And while the interest rate on Arizona Hard Money Loans is higher than the interest rate on a mortgage loan, the time savings can make it a good investment. In addition, hard money is going to be an opportunity for someone with no credit or less than perfect credit to secure a loan. This lower creditworthiness means that the lender is willing to assume a higher risk when making the loan and in return, he or she should be able to expect to make a little bit more money in the form of interest.

Know The Uses

Being funded by a private lender, hard money is also a good option for a borrower who is looking for some custom loan terms. No bank or mortgage company is going to change the standard terms of their loans. But working with a private lender allows for much more negotiation when drafting the terms of your loan. This convenience is certainly worth paying a little more for.

Be Smart

Knowing how to best use Arizona Hard Money Loans is critical to the success of your real estate investment business. Short term loans are almost always perfect for hard money, but there are also times when making an initial purchase on a long-term deal is also best done with hard money. Only after researching all of your options and requesting multiple quotes, will you be able to determine which loan is going to be the most profitable for a specific purchase. Sometimes hard money is the only choice and other times it is just one of many options.

You Don’t Need to be a Handyman to Begin to Seek Out Loans to Flip Houses

October 24, 2018Arizona hard money lenders, Arizona hard money loan, Arizona Investment Propertyflipping houses in Arizona, Hard Money Lenders, hard money loans, loans to flip houses, loans to flip houses in Arizonabigdaddydennis

Financial prosperity with flipping houses is possible before you ever even have to pick up a power drill or a saw. Many people are enjoying riches in the real estate market with flipping houses in Arizona without doing any of the manual labor themselves and you can to by learning more with this helpful guide.

Yes, you can begin owning your very own portfolio of rental properties or real estate properties without having any handyman skills whatsoever as early as today. Real estate investing is a budding market that you need to be seriously considering if you are serious about achieving your financial goals and making your dreams of financial goals. What is so great about investing in real estate? Well, rental real estate, for example, is capable of retaining its value as long as you are careful to choose the right tenants, keep careful track of your properties, and are sure to hold the right insurance. What’s great about rental properties is that they are able to generate some form of cash flow each and every month as your tenants pay their rent. You can make sure that this happens by carefully choosing your tenants and removing those that are irresponsible or are not good about paying rent.

Since you can outsource the work of flipping a house or property, you can achieve this and more without ever having to pick up a paintbrush or a wrench yourself. Outsource this work and focus instead on investing in financial opportunities or choosing the best properties possible. You do not have to be a handyman to make a fortune with real estate and make your dreams come true.

Can I Retire Early With Loans to Flip Houses?

Is it really true that you can retire early with the help of real estate investment and flipping houses? Well, the short answer is actually yes! Real estate investing is a solid investment if you are searching for an early retirement if you do the process correctly. A lot of people have the incorrect belief that it requires becoming a contractor or handyman to begin the process of house flipping but this simply not true. In fact, instead of doing the work yourself, you can instead outsource the work of a handyman to a company that specializes in property management.

Become a real estate investor and a Arizona house flipper without ever having to pick up a hammer or a nail today.

Typically, these companies collect around ten percent of the rent from the property. Buying multiple rental properties can be achievable even with outsourcing the handyman work to other individuals. Think bigger than just investing in homes! For example, if you decide to invest in properties such as commercial buildings or apartments, all of the operational workings of the property will be managed by separate personnel. You do not have to be a handyman to begin flipping houses! The right loans to flip houses in Arizona can get you started on this goal.

Give Me 10 Minutes and I’ll Show You That House Flipping Loans Really Do Work

October 24, 2018Arizona hard money, Arizona hard money lender, Arizona hard money lenders, Arizona hard money loanArizona house flipping loans, fix & flip, fix & flip loans, house flippingbigdaddydennis

House flipping is not just for TV show hosts or people with big budgets because with house flipping loans in Arizona you can join the real estate industry and begin flipping properties today. Learn how to have it all with the help of this informative guide.

Are you a big fan of those new and trendy “house flipping” television shows like the ones they have on home improvement channels or HGTV? Have you ever wondered if you could do it too? Well, the short answer is yes! You can with the the help of the right lending opportunities.

There’s a lot of secrets in the world of house flipping. However, there are so many resources available online and throughout the real estate industry that means that house flipping isn’t just for TV show hosts with big budgets to fall back on. The right lending opportunities can give you the same opportunities as those people that you see on TV.

It is a fact that the house flipping business and industry can provide an opportunity for you to quickly achieve a healthy income and the freedom to change your life forever. The success of others from the popular television shows we know and love is an easy way to see that that is clearly possible for the everyday person and not just big-time investors.

Flipping houses is not as easy as it works and does take some hard work. However, with proper planning and expertise making money with house flipping is a truly achievable goal that anyone can do in a short period of time so long as they have the right level of determination.

You Can Have It All With House Flipping Loans in Arizona

Are you ready to begin flipping houses and join the real estate industry, too? You can get started by finding a loan to help you achieve your goals and have enough of a budget to work with so you can begin investing in properties. You have to spend money to make money and it is no different for investing in real estate or fixer-upper properties.

You are going to need to have some capital up front to be able to begin to invest in real estate properties so you are going need to choose a lender to help you begin to achieve your goals and get started with real estate investing.

Retire early and make your dreams come true by getting started in the real estate market with the opportunities provided to you by Arizona house flipping loans.

It is important to seek out the advice and assistance that can only be given from quality resources. In a perfect world, it might be a good idea to go ahead and find an experienced mentor that will be able to starting to show you the ropes of real estate investing. The fact is, it is important to have a wise figure to turn to as you begin to enter the world of real estate investment and flipping properties. Their wisdom will be invaluable in your journey.

Triple Your Income Today with House Flipping Loans

October 22, 2018Arizona hard money lenders, Arizona hard money loan, house flipping loans in Arizonafix & flip, hard money, hard money lender, Hard Money Lenders, house flippingbigdaddydennis

Start your career in real estate investment and grow your income exponentially with the help of a loan specialized in house flipping. The art of flipping houses can quickly triple your income if you follow some of the helpful strategies presented in this guide.

Are you considering getting started in the real estate market but don’t know how to go about doing it? You can make all of your financial goals a reality with the assistance of house flipping investments. Many people are reaping the rewards of real estate investments and there is no better time than now to see what these types of investments can do for you and your own financial dreams.

Consider the benefits of house flipping loans in Arizona:

Potential to Quickly Turn a Profit and Even Triple Your Income

We start any new investment with the hope of turning a profit. It makes sense that perhaps then the most obvious reason that a person might have for flipping a house or other investment property is to attempt to make some money.

The companies and individual people that are dipping their toes into real estate market are enjoying extremely lucrative results. That fact is that with real estate investment not only can you our your company achieve significant returns on your investments, but you or your company will be able to receive these returns on your investments extremely quickly in most scenarios.

Personal Networking and Development Opportunities

Though it may seem at first that investing in house flipping is going to require a significant amount of time and investment, there is actually a great deal of valuable, important experience to be gained from the art of flipping houses or other investment properties.

Beginning to get into the real estate market and starting the practice of frequently purchasing properties and the necessary materials needed to work on these properties helps you or your company begin to brush up on or develop great negotiating skills. You can learn how to become a much more capable delegator, expert at task management, and hold people accountable. Your knowledge of construction and real estate will also expand.

Are House Flipping Loans in Arizona a Worthwhile Investment?

Flipping houses is more than the money. Even if you may be only interested in flipping houses for the monetary awards, it is clear that flipping properties is more about the cash and checks.

The real estate industry is a buzzing market that has all of the tools you need to achieve your dreams and financial goals.

Updating a property is a way of cleaning up an old neighborhood and developing new communities you are in a way giving back to the community and rewarding yourself with this form of enrichment. Flipping houses goes more than achieving your income goals or expanding your wealth. Triple your income mentally and physically by giving back to the community and surrounding areas by upgrading old homes or properties and helping to elevate the quality of the surrounding community.

5 Reasons Hard Money Lenders are the Right Choice for Your Investment Dreams

October 22, 2018Arizona hard money, Arizona hard money lender, Arizona hard money lenders, Arizona hard money lenders, Arizona hard money loanhard money, hard money lender, hard money loans, hard money loans Arizonabigdaddydennis

If your credit score is not where it needs to be to receive a loan from a traditional broker, reaching out to hard money lenders can help you achieve your real estate goals more quickly. Learn how these lending opportunities can help you start your real estate investment journey sooner than later.

Regardless of your credit score or credit history, you may still be eligible to receive a hard money loan from. A private lender. Hard Money loans Arizona leaves the property you invest in as collateral so that you are not subject to the same requirements that are expected of you when seeking lending opportunities at a traditional bank setting.

If you are considering beginning to start going after your real estate investment goals, these five benefits of Hard Money loans Arizona may be perfect for you and the needs of your financial situation:

Obtain a loan much more quickly that you would with a more traditional broker. Acquiring a loan at a bank is often a long process that requires severe qualifications that may take some time to get together.

Be eligible for lending opportunities even if you have a low credit score or a poor credit history. A solid debt-to-income is all that is need to get a hard money loan.

Begin investing in real estate as quickly as possible. A faster approval process means that you can begin going after your real estate investment goals in the near future with the assistance of hard money.

Network with lenders to open more doors for yourself in the real estate market. The networking process will help you meet new investors and potentially lead you to more opportunities within the real estate industry.

Build more lines of credit and rebuild your credit score to achieve more financial freedom. This can help you build your credit score so that you can be open to other opportunities in the future when it comes to investing and other financial goals.

How Do I Find Hard Money Lenders Near Me?

Researching lending opportunities near you could be as easy as attending local networking events or searching for private brokers in your area. The right lender will be able to work with your budget to find the perfect lending opportunity that satisfies the need of your financial situation.

Networking is a crucial business strategy that will help potentially meet new clients or investors that are as exciting about your financial goals as you are.

Networking begins with establishing strong communication skills. Don’t be afraid to show your true personality. Private lending with hard money is a much more personal experience than what you would see at a traditional bank. This means you are developing real bonds with your lender which could open doors for further advancement and other investment opportunities in the future. Achieve financial freedom by getting started with real estate investment with the assistance of hard money loans.

Give Me 30 Minutes and I’ll Tell You All the Secrets About Hard Money Loans

October 22, 2018Arizona hard money, Arizona hard money lender, Arizona hard money lenders, Arizona hard money loanhard money, hard money lender, hard money loans, hard money loans Arizonabigdaddydennis

You may have heard about Hard Money loans Arizona but still have some questions about how these types of loans can help you achieve your financial goals. Learn how hard money can help you get started with real estate investing as soon as today.

If you do not have the financial status or credit history required to get a loan from a broker at a traditional bank, hard money can be a better way to get a loan without have to choose a more traditional mortgage option. When you choose to opt for hard money, the property that you invest with is used to serve as collateral rather than through the upfront costs that are associated with a mortgage. If you are hoping to achieve a loan quickly and do not have a good credit score, hard money may be your best option.

Getting approved for a loan from hard money does not require the same financial status as a more traditional approach. Lenders from a bank will analyze your credit score before deciding if you are the right candidate for a loan. When you choose hard money, you only need to show that you are able to repay the loan. This makes the process of getting approved for your loan must more fast than the approval process at a bank. If you are trying to begin investing in real estate as quickly as possible, Hard Money loans Arizona are a great solution.

Hard Money loans Arizona are great due to their:

Speed: Quickly get approved for your loan and avoid the long process of a bank.

Approval Ratings: Be eligible to receive a loan even if you do not have a good credit score or have established a positive line of credit before.

Opportunity for Advancement: Networking with hard money lenders can open more doors for you to achieve further real estate and investment goals.

How Do I Know If Hard Money loans Arizona are Best for Me?

If you are looking to get a loan quickly and do not have a good credit score, hard money is your best choice. This type of loan is also much more flexible than other options and can have terms that work with your budget or financial goals. With more opportunities for approval, hard money can give you opportunities that traditional lenders would otherwise refuse.

With any new business venture or investment, it is important to weigh all of the facts into consideration so that you can make the best financial decision for you or your business.

Finding the right lender is as easy as attending a networking event or reaching out to private brokers in your area. With looser options for approval regardless of your poor credit, hard money makes it possible to begin investing in real estate as soon as possible. The real estate industry is a thriving business venture that can help you achieve financial prosperity and begin turning around your poor credit quickly.

Why Real Estate Lines of Credit in Arizona are Getting More Attention

October 14, 2018Arizona hard money lender, Arizona hard money lenders, Arizona hard money loanarizona real estate investing, Arizona real estate lines of credit, real estate lines of creditbigdaddydennis

Real estate lines of credit are growing in popularity. If you’re involved in investing, adding them to your toolkit can help ensure your success.

Generally speaking, savvy investors find out what works for them and repeat the same processes time and time again to ensure success. That said, they also create a toolkit of various options and tailor their approach depending on the project. One of the tricks of the trade seasoned investors apply is to be familiar with several forms of lending and choose the best one for each project. That way, financing and favorable terms are always just a call away.

Real Estate Lines of Credit in Arizona fit into this toolkit as well, right alongside things like conventional loans and Arizona Hard Money Loans. However, instead of taking a large portion of cash all at once, the investor uses it like a credit card, only taking what he needs as he needs it and paying back the balance. The funds made available can sometimes be enough to cover the cost of purchasing a property, though they’re generally in line with what someone might pay to do repairs or a full rehab on a property.

There are both single property and multiple property Arizona real estate lines of credit. With a single property line, the amount made available will generally be based on the value of the home. In these cases, most investors will use them to take money out to complete individual repairs. However, those with larger portfolios can have much larger lines made available, based on the value of multiple properties. In these cases, the investor may still use the funds for rehabs and repairs. However, because the cash can be tapped into at any time, many use this to purchase new properties and add to their portfolios.

When Time is of the Essence, Real Estate Lines of Credit are There for You

Being able to jump on an Arizona investment property with cash ready to go makes it easier to grab it before others do. It can also help sway a seller in your direction if there are multiple offers because they know your deal will go through and isn’t going to get hung up waiting for outside financing.

Know the eligibility requirements ahead of time to ensure approval.

Some lenders will determine eligibility largely based on credit scores, which can make it difficult to get approval. However, asset-based lending looks more at the value of the property or properties involved. In other words, if you’ve got a good amount of equity in a single property, you may be able to tap into most of it even if you have rotten credit. Moreover, conventional lenders tend to look for credit scores of 720+ once your portfolio hits a certain size, whereas asset-based lending actually rewards you for the extra equity and can often offer up more cash. Ergo, there are multiple situations and stages in your portfolio growth in which this could be ideal. If you don’t already have a specialist on hand who offers LOCs, talk with a broker who can go over all the options now, so you can have the cash you need when you need it.

3 Ways to Get More from Your Arizona rental property Loans

October 14, 2018Arizona Business Loans, Arizona hard money, Arizona hard money lender, Arizona hard money lenders, Arizona hard money loanarizona investment property, arizona investment property financingqr3, Arizona rental property financing, Arizona rental property loansbigdaddydennis

If 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.

3 Rookie Mistakes Hard Money Lenders Want You to Avoid

October 14, 2018Arizona hard money lender, Arizona hard money lenders, Arizona hard money loanarizona hard money lender, arizona hard money lenders, Arizona hard money loansbigdaddydennis

If you’re working with Arizona Hard money lenders to complete a fix-and-flip, your success is their success. Avoiding the common mistakes ensures it’s a win-win situation for all.

You’ve probably heard the old saying, “It’s easier to keep a customer than it is to find a new one.” This rings true in the fix-and-flip business too. Relationships are everything. If you treat your crews well, they’ll do good quality work and come back for repeat projects. If your broker gets you a great deal, you’ll return to him when you need funding for your next project. The same thing goes for your Arizona Hard money lenders as well. They want you to be successful because it ensures an ongoing mutually-beneficial relationship. But, if you’re new to the business, it’s all too easy to strike out on the first round, and it typically comes from one of three common errors.

1. No Cushion: Call it an emergency fund, a cushion, or any other name, you’ve got to have some sort of back-up funds ready for when things don’t go as planned. Even seasoned pros will find flood damage, bad wiring, and other expensive issues with their projects when things get going. They get through it because they plan ahead for issues. If you find a great deal on a property, sometimes the cushion can come from the Arizona Hard money lenders and your initial loan, but more often than not, you’ll need to have some of your own cash available.

2. Making Emotional Decisions: You knew the second you saw the property that it would be the one. Maybe it was a quaint little historic bungalow or foreclosure in a quiet community, just waiting for some TLC and a family. The location was great, the repair needs were minimal, and the pricing was amazing. Then, the bidding war started. It’s hard to walk away when you’ve already made plans and know exactly what you’ll do with a place, but at some point, the deal stopped making financial sense and you began bidding because your heart was set. It happens to the best of us, but if you find yourself making any kind of decisions based on emotions, walk away.

3. Failure to Create an Accurate Timeline: Like the financial cushion, all your projects should have a time cushion as well. Not only can unforeseen repairs make a job take longer, but sometimes crews fail to show or coordinating teams doesn’t work out. Give yourself some breathing room. At the very least, it will make the project less stressful, but there’s a good chance that cushion will save the project at some point too.

Realistic Expectations Come with Experience

The more fix-and-flip projects you take on, the easier it will become to gauge what needs to be done, as well as how much time and money it will take to do it. When you’re getting your start, you’ll need to pad your expense list and timeline to compensate for that.

Work with Arizona Hard money lenders and other professionals who have experience and know the business inside and out to ensure success.

When you align yourself with industry experts, they can be valuable sources of information and help point you in the right direction when you hit a snag. The more often you work with your dream team, the smoother your projects will go and the more lucrative your work will become.

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.