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Are Arizona hard money loans the way to go when it comes to funding your dream business deal? Despite the little ads that appear saying “Stay away from this—you need to try . . .”, you owe it to yourself to check this funding out.

Times change and when you looked further into the matter—once these lenders had the worst reputation around, short of the loan shark in the old neighborhood. At least he was your uncle and had family connections. Now non-traditional lenders are up there with the regular ones, banker and mortgage firms who’ve been in the business for decades.

You remembered what had happened when you tried the conventional lenders and were pretty well turned down by every one of them. Thinking outside the box and living that way, too, while legal, didn’t seem to be a point in your favor. Having done your homework you had an answer when your cousin and best friend asked, “Well, what did you find out about the Arizona hard money loans?”

“Good things, a few things that bear thinking over,” you replied. “Those types of loans aren’t all bound up with restrictions and qualifiers in the same sense the traditional ones are. They focus mostly on applicants who have some credit issues, such as bankruptcy or a foreclosure, maybe a debt-to-income ratio that is out of balance. I’ve got that last one, but I just know buying that office building and fixing it up will help things because it will sell once it’s had some work done.”

“The people who handle these type loans are much more interested in your ability to pay them back the money they lend you than a lot of regulations. I will need collateral—I hate to put up the house, but it’s all I’ve got. My credit score is middling and I don’t have a steady job that pays every other week. Collateral is how these lenders get their money back in case the lender cannot pay off the loan.”

“The building is in a really good place and someone’s going to get it before I do if I don’t get that money,” you continued. “Arizona hard money loans can be applied for, processed and closed in as little as two to three weeks tops. Better still, I don’t have to produce every bit of business documentation in existence since my first job selling popcorn at the movie theater when I was 16. Waiting lost me a really good deal when I was dealing with that bank over in Milford. On the same day I was told that I didn’t qualify, I went by my-then-planned-for restaurant and there was a Sold sign on the door.”

“Are you going to go down there tomorrow?” Patrice asked. “I mean with all that going for you, what’s stopping you?”

“Well, nothing short of putting my house up really. The interest rates on these loans are higher than the traditional ones, but this funding has a flexible calendar and can gear the payments to your schedule. If you need a longer repayment term, that can be arranged, too.”

If you are interested in a Arizona hard money loan, do like I did, research carefully before making an appointment to see someone. Talk to an attorney. Look long and hard at your entire financial situation, past and present before moving ahead with any decision. It could be, like it was for me, one of the better moves you’ve ever made.

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:  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.

© 2019 Level 4 Funding LLC. All Rights Reserved.

Copyright | Privacy Policy | *Terms & Conditions

Can You Really Apply for New construction loans in Arizona from Two Companies at Once?

You can apply for new construction loans in Arizona from two lenders at once. However, you should be aware of the benefits and drawbacks before you do.

Most people building homes or businesses won’t qualify for traditional funding. Instead, they’ll take out new construction loans, which are short-term options sometimes referred to as self-build loans. They’re commonly leveraged by individuals who are having a custom home built as well as by the builders themselves. Once construction is complete, a new loan, often called an end loan, is taken out to pay off the initial one.

However, getting the initial round of funding can be a little tricky, simply because banks consider construction-related ventures to be a bit risky. After all, if the project isn’t completed or something goes wrong, the bank is left with a property it may not be able to sell and a mess to clean up. This in mind, interest rates and costs associated with closing tend to be a bit higher than with traditional mortgages, so eager would-be borrowers often want to consider all the options before committing to one.

Because of this, it may make sense to apply to two or more lenders at once. You’ll be able to compare the options and choose the one which makes the most fiscal sense or let your lenders know about other offers you’ve received to see if they’re able to sweeten the deal enough to sway you.

Beware: Too Many Checks Harms Your Credit

“Most Credit Scores are not affected by multiple inquiries from auto, mortgage or student loan lenders within a short period of time,” says Fair Isaac Corporation creator of the FICO score. The organization says it takes special care to account for rate shoppers and that people are not typically dinged for multiple checks within 30 days for things which people typically rate shop for. The catch: new construction loans in Arizona are technically not mortgages, which means if you’re applying to multiple lenders and they’re all pulling your credit score, you could get nailed. Although the average is less than five points per check, FICO cautions that those with fewer accounts or a short history may be hit even harder.

Avoid the pitfalls of multiple checks and find a broker who will go to work for you.

One of the best ways to get new construction loans in Arizona is to find a broker who specializes in hard money loans. Oftentimes, private lenders with a background in the industry specialize in this type of financing because they know it well, which allows them to analyze it with more confidence than a bank might. Going this route, it won’t matter if your credit is bad to begin with and your broker will put in the work to find you the best possible deal. That’s it. No more endless shopping around and you get the financing you need. If you’re an avid builder and have a great experience, try to work with the same team for future projects as well. In doing so, you’ll not only get a fantastic deal, but will streamline the process too.





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

Top 11 Takeaways from a Chat with a Level 4 Investor

Top 11 Takeaways from a Chat with a Level 4 Investor

Ever wonder what it’s like to be an investor with Level 4 Funding? Or, maybe you’re an entrepreneur who’s curious to know what the person financing your deal is really like and what he or she is looking for. John Evans, a current investor and former flipper, was kind enough to let us pick his brain, and he shared some candid details with us us, including what goes on behind the scenes and tips for success.

John’s Tapped into the Market, Even When Off the Grid

When we caught up with John, he was at a remote campsite with limited cell phone access. This is his life these days—going where he pleases when he pleases—and without worry of the daily grind. Of course, it wasn’t always this way. A series of savvy decisions brought him to where he is today.   Read More………

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:  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.

© 2019 Level 4 Funding LLC. All Rights Reserved.

Copyright | Privacy Policy | *Terms & Conditions

Top 11 Takeaways from a Chat with a Level 4 Investor

clip_image002Top 11 Takeaways from a Chat with a Level 4 Investor

Ever wonder what it’s like to be an investor with Level 4 Funding? Or, maybe you’re an entrepreneur who’s curious to know what the person financing your deal is really like and what he or she is looking for. John Evans, a current investor and former flipper, was kind enough to let us pick his brain, and he shared some candid details with us us, including what goes on behind the scenes and tips for success.

John’s Tapped into the Market, Even When Off the Grid

When we caught up with John, he was at a remote campsite with limited cell phone access. This is his life these days—going where he pleases when he pleases—and without worry of the daily grind. Of course, it wasn’t always this way. A series of savvy decisions brought him to where he is today.

There were the early decisions, like pursuing a bachelor’s degree in marketing and public relations as well as a master’s in business administration, and then subsequently climbing the corporate ladder to attain titles like director and VP. There was the background screening company he founded in post-9/11 culture when everybody wanted to know exactly whom they were working with. Although initially operated from a spare bedroom in his Silicon Valley home, business boomed until a global information services company caught wind of his growing company and convinced John to sell it to them in 2005.

As part of the deal, he worked for the company for a year to ensure a smooth transition, but that left John with a problem most people dream of—a stack of cash with unlimited potential, provided he invested it well.

He Got into Flipping During the Recession

We’ve done a number of interviews with flippers, lenders, and realtors who weathered the recession. In many cases, these were tough times because conditions leading up to the recession were so favorable. Property values were skyrocketing, so investors and rehabbers could grab a slice at a reasonable price, do some repairs, and then sell, profiting from a mix of increasing market values and sweat equity. Of course, when the market changed, many were left with properties of diminished value they couldn’t sell. John’s story is a little different in that, when everyone else was losing, he saw the market drops and decided it was a good time to get into it and start buying. His specialty was fourplexes in the Phoenix metro area. The prices were right, but the job was not for the faint of heart. Many of the deals were in rough neighborhoods and the properties were boarded up when he took over. He dealt with squatters too, but thankfully, they bolted when they realized someone else was on the property rather than engaging.

He says the margins were high at the time, but eventually it hit the point where it no longer made financial sense to flip. So, he became a property manager instead, only selling off his portfolio and moving into the investment side three or four years ago. “It’s the same money or better without the work,” he reveals.

Top 10 Ten Investor Takeaways

1. Study up if you want to get into flipping or investing.

John didn’t just jump into buying fourplexes and flipping. He spent about a year studying before he closed his first deal. He says Arizona Real Estate Investors Association (AZREIA) was highly instrumental for him. “Because they’re non-profit, it’s fairly inexpensive and you get a good education,” he explains. Beyond taking classes through AZREIA, John obtained a real estate license too.

2. Become familiar with the difference in fractional and whole deals.

Although he works with Level 4 Funding now, John tried partnering with other companies before. In these cases, he says he used the fractional model of investing; pooling money together with a group of investors and forming an LLC to fund the deal. The problem is, “you’ve got no controlling interest—no say in what happens with the property,” he explains. This isn’t necessarily an issue when the borrower follows through on his end, but when the borrower doesn’t, it takes considerable time to resolve the default. With Level 4, the deals are whole deals, meaning John’s no longer holding a 5% stake with no pull, but a 100% stake which allows him the ability to respond swiftly if issues arise.

3. Perform diligence checks or work with someone who does.

The importance of performing due diligence cannot be overstated. Unless you run the numbers and visit the property, it’s challenging to know what you’re getting into. For someone with John’s nomadic lifestyle, it’s not realistic to visit a property in person before investing. This is one of the reasons he likes working with Level 4 Funding. “They do the diligence,” he notes. It’s “Here’s the property, value, LTV, and address.” Even still, John looks into the data, himself, as well.

4. Know there’s risk involved.

“Loan to Own,” is the slogan John lives by. This doesn’t mean that you need to want to own the property, but rather, “Don’t loan money on a property you’re not willing to own. Assume it’s going to go into default,” he cautions. With this mindset, it’s easier to make wise investment decisions and pivot as conditions change.

5. Relax, a default doesn’t mean you’re losing.

When a borrower defaults, it can be difficult for an investor, especially for those in fractional deals where the foreclosure process may drag out for an extended period of time. “Sometimes people get into it and, for whatever reasons, are not able to hold up their end,” John explains. He’s done about 15 deals in the past couple years and, yes, a couple have defaulted. However, he says his contact at Level 4 guided him through the process and put him in touch with a local family-owned foreclosure services company which took care of everything within about 90 days. Although John was initially apprehensive due to his prior experiences with defaults on fractional deals, he no longer has these concerns. “The way the contract is structured, the interest rate goes up and the borrower has to pay more,” he clarifies. “I have always come out on top.”

6. Investors really do care about the success of entrepreneurs.

Poor lending practices contributed to the 2008 recession and, unfortunately, many people lost their personal homes. The stigma associated with this persists today and tends to be the elephant in the room when people are new to hard money lending. In this respect, knowing the mindset of the investor funding your deal can make all the difference in the world. “I don’t get involved with people buying for their family,” he explains, but even then, the decision to move forward with the foreclosure process is never simple. As someone who has been on both sides of the table, it’s easy for John to identify with the struggles rehabbers face. Though funding deals may be a “matter of business,” he says, “I feel bad for people that default because they put their time, money, and effort into it.” A successful outcome for everyone involved is always the priority.

7. Rehabbers need connections to flip today.

Historically, auctions were the way to go, but John says this strategy doesn’t work anymore. “There’s too many trusts buying today. They pay over retail and don’t care when they do.” The average flipper can’t compete with this and there’s not a lot of inventory, which means word-of-mouth is the best way to find good deals.

8. Know your numbers.

We asked John for some tips for new investors. “Anybody can get into it, BUT, you’ve gotta understand the numbers,” he imparts. When John started flipping, the margins were high, but he says 10% is a good profit now. This is a major component of the “thrill of the deal,” he adds. “Doing the analysis and thinking, ‘hey, this is going to work,’” is exciting.

9. If you’re flipping, pad everything.

“Be conservative with estimating value of a property; overestimate your costs, overestimate how long it will take to sell,” he cautions. “It always costs you more than you think to do these things,” his wife and business partner Sandy offers.

10. Lending is based on the property, not the person or credit score.

“You’ve got bad credit, but a good property? I’ll lend to you,” he declares with absolute confidence. Although John doesn’t search for his own deals, he brings this attitude to lending via Level 4 Funding. “It’s a great way to lend money. They do all the homework; they’re shadowing them, checking the numbers.” Because he’s a licensed realtor, John can also do his own valuations and make sure the numbers make sense, and notes, “What doesn’t work for banks works for private lending.” A bank won’t lend to someone with a credit score in the 500s, but John says that’s not a problem with the types of loans he funds. “You don’t have to have good credit. Find a good deal,” he advises.

11. Cycles aren’t important, but being able to pivot is.

There’s a lot of talk lately about how the market cycles, and with home values skyrocketing, those who weathered the 2008 recession are often especially wary that another massive drop is due. Perhaps John sees this differently, as he got into real estate during the recession and wasn’t holding properties when it started, but at the same time, he also adapted his fix-and-flip strategy to fix-and-hold due to market conditions back then too. “I don’t see the cycles as a problem,” he explains. “Even if the market sees a dump, you’ll break even on a 70 LTV.” If need be, “you can rent until you can sell,” he adds.

Contact Level 4 Funding if You Want to Grow Your Wealth Too

Whether you’re an investor like John or in the fix-and-flip biz and need someone to finance your deals, Level 4 Funding can help. Visit the site to get a free investment guide and see current deals or contact us to find out what terms you’ll qualify for as a borrower.

Ever wonder what it’s like to be an investor with Level 4 Funding? Or, maybe you’re an entrepreneur who’s curious to know what the person financing your deal is really like and what he or she is looking for. John Evans, a current investor and former flipper, was kind enough to let us pick his brain, and he shared some candid details with us us, including what goes on behind the scenes and tips for success.

John’s Tapped into the Market, Even When Off the Grid

When we caught up with John, he was at a remote campsite with limited cell phone access. This is his life these days—going where he pleases when he pleases—and without worry of the daily grind. Of course, it wasn’t always this way. A series of savvy decisions brought him to where he is today.

There were the early decisions, like pursuing a bachelor’s degree in marketing and public relations as well as a master’s in business administration, and then subsequently climbing the corporate ladder to attain titles like director and VP. There was the background screening company he founded in post-9/11 culture when everybody wanted to know exactly whom they were working with. Although initially operated from a spare bedroom in his Silicon Valley home, business boomed until a global information services company caught wind of his growing company and convinced John to sell it to them in 2005. Read More

Written by

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:  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.
© 2019 Level 4 Funding LLC. All Rights Reserved.

Copyright | Privacy Policy | *Terms & Conditions



Are you ready for the next Real Estate Crash–Get Ready Now.

Holy Cow Here We Go Again

Hold On To Your Wallet

Get Ready For The Next Crash

Has anyone ever told you that Real Estate is on a 7 year cycle? That every 7 years values change direction and we are heading into a crash or a boom.

I’ve graphed real estate prices for the southwest over the past 15 years. (see attached graph) and to my surprise it has been 7 years from the bottom.   For Phoenix, the bottom was officially 3/1/12.  So it’s been roughly a little over 7 year. Since the peak in 2006 is been around 12.84 years.  Read More

I’m getting out while the getting is good.  Read More

All real estate holdings are being sold. Why? Read More



Dennis Dahlberg


Broker/RI/CEO/MLO


Level 4 Funding LLC


Arizona Tel: (623) 582-4444


Texas Tel: (512) 516-1177


Dennis@level4funding.com


NMLS 1057378 | AZMB 0923961 | MLO 1057378


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


111 Congress Ave | Austin | Texas | 78701

4 Rookie Investor Mistakes to Avoid

If you’re using a Arizona Hard Money Loan to fix and flip a property, there are some pitfalls you may encounter. Here’s some things you should avoid to get the best ROI on your investment property.

Not all fix and flips are created equal. There are bumps in the road that you might encounter and it’s important to see them coming and make sure you don’t fall prey to the pitfalls of an unsuccessful fix and flip. Your Arizona Hard Money Loan needs to be used responsibly and efficiently so you don’t lose money.

Here are some things you should be aware of when completing your first flip and flip using a Arizona Hard Money Loan.

Going it Alone

The most successful investors have a team of trusted vendors from real estate agents to lawyers. First time flippers and investors can run into unforeseen issues so having a team in place that you can go to when hiccups happen can help you from hitting the point of no return with your fix and flip.

Not Having Good Property Insurance

Not only can unforeseen issues arise with the property like an electrical fire, but you’re going to have people in and out of the property so liability insurance is a must. It’s an added expense that won’t seem important until you don’t have it and you’re neck deep in litigation. Always, always protect your investment.

Holding On Too Long

Of course everyone wants to sell their fix and flip for top dollar, but holding out for a few thousand more while incurring costs like taxes and HOA dues can end up costing money in the long run.

Overdoing the Rehab

This is a sure fire way to make sure you won’t get a good return on your investment. You want to make sound decisions on your upgrades without going overboard and investing more than you’ll get back when you sell. A cost/benefit analysis can help you make those decisions in an objective way and ensure you’re using your Arizona Hard Money Loan responsibly.

To learn more about how a Arizona Hard Money Loan can help you fund your first fix and flip investment, call Level 4 Funding today!



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 Hard Money Loan Funding: A Step By Step Look

The Arizona Hard Money Loan process goes step by step. Here’s a look into the roadmap of funding a Arizona Hard Money Loan.

Arizona Hard Money Loans vary from Lender to Lender , but the process will be very similar no matter who you’re working with. It’s a similar process to getting a traditional loan funded, but without the strict guidelines for credit and debt to income.

There will be tweaks and differences between a Arizona Hard Money Loan and a traditional loan. Here’s the step by step process of a Arizona Hard Money Loan from beginning to end.

Introduction

You’ll first speak with a Lender about your idea for the Arizona Hard Money Loan. This will include a project pitch that will introduce them to your plan so they can decide if it’s an investment that they want to make. Not only will they ask about your renovation plans, but they will also want to know about your portfolio as an investor, asking about things like past fix and flips or financial investment history.

Underwriting

This is where you’re going to see the nuances between a traditional loan and a Arizona Hard Money Loan. Rather than taking 30+ days to fund, a Arizona Hard Money Loan moves much quicker. The underwriting process is fast so you’ll need to provide things like your completed loan application and scope of work for the flip as soon as possible.

At this point they will also be evaluating the property with an appraisal and title review. That way they have all of the background information on the home before making a decision.

Closing

Documents will be signed and funds will be disbursed so that you can officially purchase the home and the Lender can complete the loan settlement. Closings can be different depending on the complexity of the loan, but some will close in as little as a week. That’s the draw of a Arizona Hard Money Loan – quick payout.

Following your closing you’ll receive funds to pay your contractors for the rehab. Lenders can work with you to pay as the work is done, ensuring their investment is being used responsibly and work is being completed as stated in the business plan.

Once your rehab is complete you’ll pay off the loan and can move onto your next investment opportunity!



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 Mortgage Lending 101

Arizona Commercial investment is great to boost your portfolio in a big, big way. Here’s what you need to know to get started.

Arizona Commercial mortgage lending allows investors to expand their portfolio by purchasing a property that can be leased out for business purposes. Arizona Commercial investment can be a huge income stream, much higher than single family residential.

There are four main types of Arizona Commercial investment that you should be aware of when you make your decision to step into the Arizona Commercial sector and begin to seek Arizona Commercial mortgage lending opportunities.

Retail

From strip malls to restaurants, retail Arizona Commercial investment that can be a big money maker in a big city like Phoenix.

Industrial

Phoenix is an urban city with lots of opportunity in the industrial sphere. Warehouses and manufacturing plants are all over the valley.

Office

This is the most common type of Arizona Commercial real estate and can vary widely in size and use. The size can range from single-tenant properties to multistory skyscrapers that can bring in a large number of renters.

Multifamily

This type of Arizona Commercial investment is like a single family residential opportunity, but on a much larger scale. Apartment complexes, condo towers, and four plexes all qualify under the umbrella of multifamily Arizona Commercial investment.

Just like with residential real estate investment, you’ll need to have a business plan for your Arizona Commercial mortgage lending application. Due to the higher dollar amount, Arizona Commercial mortgage lending requires lots of research and evaluation on the part of the investor and the Lender .

If you’re interested in jumping into the Arizona Commercial real estate pool, give Level 4 Funding a call today!



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

Raise Your ROI by Investing in Desirably Located Homes

Location is one of the most important factors when selecting your investment property. Here are some things you should look for before choosing a property to present when you apply for a Arizona Hard Money Loan)

One of the biggest mistakes an investor can make is not researching the location of a property before starting a fix and flip or using the home as a rental. It’s important to look at the geographical location to determine if it’s going to be desirable for a potential buyer or renter.

Your Arizona Hard Money Loan is going to help you repair and upgrade the property, but it’s not going to be able to fix where it is. You can have the most beautiful home in the neighborhood but if it’s not a neighborhood that people want to live you’re going to have a hard time selling or renting.

Here are some things you should research about the location before applying for your Arizona Hard Money Loan:

Public Transportation

Many people rely on public transportation to get to work, school, to shop, and get around the city. Is the home close to a bus stop? Can they easily get to the light rail for their commute? These are important factors to consider.

Local Employers

Phoenix is home to some large companies that draw employees to move to the valley from all over the country. Finding a home with a short commute to some of those employers is ideal when it comes to attracting a buyer or renter.

Things to Do

Another thing that renters and buyers look for is how they’ll be spending their free time. Phoenix has plenty of opportunity for sporting events such as Spring Training, football, basketball, and major league baseball. The areas around the arenas usually have great shopping and restaurants so that makes them desirable areas. Downtown Phoenix has a huge list of top restaurants as well. That makes it top contender for favorite valley areas for buyers and renters.

Considering each of these things will help you find a great property in a great location that will be sure to sell or rent quickly!



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 Fix and Flip Lingo You Need to Know

If you’re new to the world of fix and flip you’ll need to become familiar with some terms that you will hear when working with a hard money Lender .

Fix and flip professionals have tons of verbiage, acronyms, and terms that you may not be familiar with if you’re new to the investment world. Each of these terms is important because they explain bits and pieces of the process and information that you’ll need to be successful at fixing and flipping.

A Arizona Hard Money Lender will throw some of these terms around as well so knowing them before you apply for your loan will give you a leg up. When you’re applying here are some terms your Arizona Hard Money Lender may use:

ARV

This stands for the After Repair Value. It’s the number your property is expected to be worth after you complete repairs and upgrades.

HVAC

This is one you’ll hear often and stands for heating, ventilating, and air conditioning.

CMA

A Competitive Market Analysis is what you can use to come up with your ARV based on other comparable homes in the area.

ROI

Your return on investment is the amount you’re expected gain from your fix and flip after paying off all loans and purchasing necessary tools and project materials.

MAO

This is the maximum allowable offer – or what you’re willing to pay for a property. Your Arizona Hard Money Lender will need to know this number before approving your loan.

SOW

A scope of work lets your Arizona Hard Money Lender know what your plans are for repairing and upgrading the property. It’s a comprehensive list of work will show you have a plan set up for your investment property.

As a novice fix and flipper you’re going to run into terms and acronyms that you don’t know, but learning the ones listed above is a great place to start. A Arizona Hard Money Lender will want to know that you’ve done your research and you’re prepared to make a sound investment and be able to repay your 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