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The Differences Between Arizona Rental Property Loans and Home Loans

There are several differences between a loan for a home you plan to live in and a loan you plan to use as a rental property. Let’s take a look at them and see what they mean for you as a real estate investor.

Looking to make your first rental property purchase? It can be daunting, even if you’ve bought a home in the past. After all, this is a business venture, not a home purchase. So, you’ll need to know the basics of getting financing before you take your first steps. Let’s look at some of the main differences between the two:

● You’ll have to put more money down for a rental property. Because traditional lenders consider Arizona Rental Property Loans a bigger risk than a conventional mortgage, they’ll ask you to put more money down. We’re talking about a minimum of 20 percent, but it could be as much as 40 percent depending on a range of factors.

● You won’t need mortgage insurance. With a typical home purchase, you must buy insurance on the mortgage. With a Arizona Rental Property Loans, there’s no need to do that.

● Interest rates are higher for rental property purchases. While many traditional lenders will claim that their loans on investment properties are just 0.25 percent to 0.5 percent more than their mortgages. Not in the real world. In the real world, you’ll end up one to three percentage points higher.

● You’ll need a minimum of three months payments in your account to apply for an investment property loan.

Alternatives to Arizona Rental Property Loans from the Bank

One alternative to a conventional bank loan is a hard money Arizona Rental Property Loans. With a Hard Money Loan in Arizona, the risk is tied to the collateral, so approval is based less on credit scores, incomes, and past history, and more on the property’s value or potential value. These types of loans can work as bridge loans to get you started on the purchase and repairs of the property until you secure longer term financing.

Hard Money Arizona Rental Property Loans in Arizona

If you’re looking to invest in a rental property in Arizona and you’re considering a hard money Arizona Rental Property Loan, Level4Funding may be able to help. We offer a lightning-fast approval process (24 hours), loan-to-value (LTV) of up to 90 percent, no prepayment penalties, and rates starting at only 7.99 percent. Call us today to talk about partnering.



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 Find Hard Money Loans Arizona Investors Trust

Not all loans are the equivalent and by no means all lenders provide the equivalent phrases. That may be very true for the hard money loans Arizona patrons rely on to buy and promote precise property. With numerous loan to value ratios, charges of curiosity, and loan phrases, you’ll need to find the easiest hard money loan from a lender you probably can trust. 



Many Arizona precise property patrons rely on hard money loans to finance their funding purchases. The hard money loans Arizona patrons use are asset primarily based financing options that are backed by precise collateral, typically the property being purchased. Onerous money loans are obtained by way of private hard money lenders barely than typical banks.

There are a selection of causes that hard money loans are a go to loan for lots of patrons. First and most importantly, hard money lenders can get you money, fast. That’s key in case you’re bidding at a property at an public sale or shopping for a foreclosures, every of which can be widespread for precise property patrons. Secondly, the hard money loans Arizona specialists counsel are asset primarily based, barely than primarily based in your funds. Many patrons private a lot of properties that are in different phases of being purchased, renovated, and provided. Whereas a property may lastly symbolize a worthwhile funding, proudly proudly owning too many directly can throw off your debt to earnings ratio. This makes getting a monetary establishment loan virtually inconceivable. Nonetheless, hard money loans are nonetheless there when you need them.

 

Discovering a Lender for Onerous Money Loans Arizona Consultants Perception

You most likely have decided hard money loan is the loan for you, you’ll need to find the correct lender and the correct loan. Listed below are a lot of inquiries to ask and look at sooner than you sign on the dotted line.
1. What’s probably the most loan to value ratio this lender will loan? For a lot of revered lenders, the hard money loans Arizona patrons depend on will lend about 60 to 80 p.c of the property value. If a lender supplies a 100% loan, this may be a sign that they are counting on you to default. It would not routinely disqualify a lender, however it must make you leery and make you do some further evaluation.
2. What is the charge of curiosity for the loan? Prices will fluctuate from 7% to the double digits, so remember to know exactly what you may be paying.
three. What are the fees for the loan? Prices add up so remember to know what to anticipate.
4. How prolonged is the loan for and will it is renegotiated if I would love it to? Precise property is unpredictable. Make certain the scale of your loan and that you’d be capable of lengthen the loan if you wish to. A loan with a strict pay once more date may put you in an uncomfortable place in case you can’t promote your funding quickly adequate.

As quickly as you have received found a lender, it is time to getting started using the funds out of your hard money loans Arizona specialists trust to make your precise property wishes come true!

Don’t be afraid to ask for help within the occasion you need it, and keep in mind, although precise property investing is technically a job, it additionally must be pleasurable!

 

Dennis Dahlberg Seller/RI/CEO/MLO

Diploma 4 Funding LLC
Arizona Tel:  (623) 582-4444 

Arizona Tel:      (512) 516-1177 

dennis@level4funding.com

www.setabay.com


NMLS 1057378 | AZMB 0923961 | MLO 1057378

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

111 Congress Ave |Austin | Arizona | 78701






 
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In regards to the author: Dennis has been working within the precise property commerce in some functionality for the ultimate 40 years. He purchased his first property when he was merely 18 years outdated. He quickly realized in regards to the great funding options provided by trust deed investing and hard money loans. His want to help others make money in precise property investing led him to focus on numerous funding for precise property patrons who might need trouble getting a typical monetary establishment loan. Dennis is obsessive about numerous funding sources and sharing his info with others to help make their wishes come true.

Dennis has been married to his improbable partner for 38 years. They’ve 2 gorgeous daughters 4 great grandchildren. Dennis has been an Arizona resident for the earlier 32 years.

 

Construction Loans: The Dangers of Going Off-Budget

Construction loans present a risk to both borrowers and lenders. As a borrower, you don’t have any assurance that your project will go according to plan and your lender has nothing to fall back on besides a hole in the ground and the sky above it if you default. For these reasons, construction financing is distributed piecemeal in the form of draws as construction proceeds.

The draw process has all sorts of exciting risk factors to building projects, the main one being that you have to have a plan and stick to it.

Because construction financing is given out in stages, you as a borrower need to do everything in your power not to divert from your initial budget. Any diversion on your part and you might not have enough money to finish your project. If you don’t stick to your budget, disaster might be around the corner, as the following purely hypothetical scenario will clearly illustrate.

What not to do when it comes to construction loans

Our borrower is in the middle of building his dream home: a glass box perched over a beach. He’s had a clear budget thus far, but he feels the initial 5 x 5, floor-to-ceiling windows won’t adequately capture the view, so he orders, new 20 x 5 windows which have to be shipped from Italy and cost $20,000 apiece. No matter; he ignores the pleas of his grumbling architect who now has to reframe that whole section of the house to accommodate the new windows. “There’s enough in the budget this month,” the borrower says, and he is right about that, to a point.

Construction proceeds over the next few months as only a bit of minor work is needed, but then, sure enough when it comes time to install the drywall, our poor builder can’t afford the cost of installation.

He asks his lender to increase his loan balance because he just needed to have those new windows, but it’s safe to say the lender rejects his request for more money. Work ceases on his glass villa. Until he can get another loan, the house will remain empty and unfinished. Worse yet, he’s still on the hook to pay the loan for his unfinished dream home.

The best way to risk less when it comes to construction loans is to stick to your budget.

The above story may seem far-fetched, but such situations are not uncommon. If you change your mind on a whim in the middle of construction, you can run out of money and your lender might not agree to give you more.

Do yourself a favor and have a plan and stick to it, unlike our hypothetical builder. Cost overruns are inevitable in any construction project. Most reasonable lenders are willing to work out some contingency if an unforeseen expense comes up, but few lenders are going to give you more money just because changed your mind on a whim. Staying as close to budget as possible is the best possible way to ensure you will have the funds needed to complete your construction project.


Dennis Dahlber Broker Ri CEO Level 4 Funding LLCDennis Dahlberg

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

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

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

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions
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How Residential Arizona Hard Money Lenders Made Me a Million Dollars

You read that right. Residential Arizona Hard Money Lenders made me a million dollars, and I am going to show you how to do it for yourself.

I was a regular hard working person for years. I would get up in the morning, drive into work, clock in, do my job, and then clock in. I would go home, eat dinner, watch TV, and go to bed. The next day, I would do it all over again.

After a while, I felt so bored with my life. There wasn’t much to it. There was no excitement. Sure, I had a loving wife and children. I just wanted more… I wanted more from my work.

When I wasn’t able to go up the corporate ladder anymore, I felt that I need to do something on the side to get myself out of this rut. I decided to start investing in real estate.

I had always wanted to do something, but I didn’t have the extra cash to do it. Kids are expensive!

I didn’t want to take out a loan, but after hearing of a guy online who borrowing from residential Arizona Hard Money Lenders, I couldn’t stop thinking about it. I felt it was the break I needed to finally get out of the monotony of my work life.

What I Did Next Led Me to a Million Dollars

I called up a residential Arizona Hard Money Lender just to get information. I hung up with the lender with the process underway to have a couple of hundred thousand in my back account in two business days. It really was that simple. I could hardly believe it.

When I was speaking to the lender, he made so much sense that I couldn’t turn it away. All I did was give him the information he needed to use my home as a security for the loan, and that was it.

Once I had the money in my bank account, I worked with a real estate agent to find a place that I could rent out to people in the summer. It was already April, so I had to act quick. Since I had the cash, I was able to find a place that I could pay cash with, and have it ready for renting by Memorial Day – the non-official first day of summer.

My beach house has been booked ever since that weekend and it only took me three months to pay the lender back. Since I bought the beach house, I’ve been able to buy two others, and now I have a million dollars sitting in the bank.

You can make a million dollars with residential Arizona Hard Money Lenders too.

I didn’t do anything unrealistic. You can do the same thing. All you have to do is follow what I do – call the residential Arizona Hard Money Lender here, and get started.

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

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

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

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions
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How to Read Search Results for Arizona Hard Money Lenders

When it comes to finding Arizona hard money lenders, maybe youre overwhelmed by your search results. Learn how to read between the lines of a lenders web page so you can find the help that’s right for you.

The first step in reading a lender is finding one first. Because it is the 21st century, Google “hard money…” and before you know it, you should have plenty of results. Make a list of potential lenders in your area, but before you read the lenders’ websites, read some customer feedback and cross lenders with negative or with little to no customer reviews off your list.

After narrowing down your list of potential Arizona hard money lenders, find lenders whose recent deals match your specific vision.

You’ve found several lenders who have decent customer feedback. Should you go ahead and apply? No, you’ve got a bit more reading to do to narrow your list further.

Check to see if your potential lenders have a list of recently funded deals. Do the properties match your vision? If you intend to flip a house, you should not approach a hard money provider who specializes in commercial properties. You want a lender who can offer insight when it comes to your specific project. Find lenders who specialize in funding your specific investment and then look out for some red flags.

When it comes to reading Arizona hard money lenders, don’t ignore these red flags

• Read initial terms offered. Beware of pie in the sky deals. If a lender’s initial terms are too good to be true, more than likely, they are. Avoid lenders whose conditions aren’t anything close to what you’ve found on other hard money websites.

• Read the lender’s basic qualifications. If all that’s needed to close your deal is your name and a handshake, be wary. Reputable hard money providers will at least glance at your basic financial situation. If a lender sets the bar so low that just about anyone can qualify, more than likely their only interest is in collecting your interest payments. Erase lenders off your list whose standards don’t match the standards of other lenders.

• Read the lender’s website, but don’t just look at the words. Is a potential lenders website well-designed, professional and appealing, or does it like it hasn’t been updated since 1997? Cross a line through lenders whose websites are poorly designed and don’t offer a lot of specific information.

• Read the lender’s physical location. If a quick Google search for “A2Z Hard money’s,” address reveals that their offices are located in a car wash in New Mexico, beware: you might end up laundering money for Walter White. Cross out lenders who don’t have a physical office.

After following these steps, you should have a list of lenders who:

1. Have decent customer reviews.

2. Specialize in the type of project you want to pursue.

3. Have reasonable loan terms and borrower standards.

4. Have a professional website and a physical office.

You can perform all this due diligence from the safety of your laptop. Learning to read your search results for “hard money,” will save you time and effort while protecting you from sheisters.

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

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

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

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions
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What are Residential Hard Money Lenders in Arizona?

Understanding what Residential Hard Money Lenders in Arizona are and what they offer can be a great benefit when you are entering the real estate investment business. They might not be perfect for every deal but they do offer some unique benefits.

Residential hard money in the real estate financing world is basically a loan for a residential investment property that does not come from a traditional lender such as a bank. These loans can also be called private loans, bridge loans or asset-based loans. Residential Hard Money Lenders in Arizona are the private groups or individuals who are providing these loans to borrowers.

There are some very clear differences in the services offered by traditional lenders and Residential Hard Money Lenders in Arizona. The first of which is the criteria used to determine if the loan request will be approved. Banks use a very long process that examines the potential borrower’s personal credit history, credit score, tax returns, and current overall financial health. Arizona Hard Money Lenders are really more interested in the value of the property being purchases rather than all of the details of the borrower’s personal finances.

This difference in the approval process leads to two more very significant benefits to using Arizona Hard Money Lenders. First, the process is much less complex and difficult for the borrower to manage. Very few documents are requested, and most of it is regarding the property and not personal assets or financials. Second, the loan application process, as well as the approval process, requires just a fraction of the time that a traditional lender needs to process a loan request. In many cases, a hard money lender can have an approval for you in less than a week, and then the money in your hands in just a few more days.

Who You Work With

In most cases, Residential Hard Money Lenders in Arizona are individuals or partners who are in business to make money lending money to real estate investors. This is another great benefit for borrowers as you are working hand in hand with the person who will be lending you the money that you need. This allows you to work with the lender to create loan terms that meet all of your needs, while still providing a realistic return on investment for the lender. Unlike many peoples common misconception, hard money lending is a very legitimate business that works within the letter of the law. You will not be working with shylocks, loan sharks, or other shady lenders, who might not be working in a legal business.

Just a Different Option

There are many different types of lenders other than the standard banks and mortgage companies that most borrowers use for a home mortgage. In some cases, these more creative and non-traditional lenders can better meet the needs of real estate investors or consumers who are unable to qualify for a traditional loan. What is important is that you completely understand the terms of the loan that you are getting and the total cost of the loan so that you can fairly compare and contrast all of your options.


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

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

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

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions
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Can You Become a Millionaire with Arizona Private Money Lenders?

There are millions of dollars to be made in the real estate business so long as you have the right strategies and an adequate amount of funding to help you achieve your goals. Learn how Arizona Private Money Lenders are helping real people become millionaires.

Everybody is always searching for get rich quick ideas. While getting rich quick may not be possible, becoming a millionaire is an attainable goal if you follow the right strategies. The real estate industry is currently buzzing and there is plenty of money to be made so long as you are able to purchase the right properties at the right times. In fact, right now in today’s economic climate is one of the best times to buy properties. The economy is thriving, and people are buying homes.

However, what do you do if you want to purchase a property but don’t currently have the cash on hand? With Arizona Private Money Lenders, you can get the cash in your pocket you need to get a jump on these once in a lifetime property available for purchase. With a loan from a private money lender, you won’t have to have your credit score be the only factor determining your eligibility. For people who have limited experience in real estate or who do not have a good credit score, this makes Arizona Private Money Lenders are great financing option.

Arizona Private Money Lenders are giving everyday people the cash they need to get started with investing in some hot ticket properties. This means that you do not have to be experienced to start making real money with buying and selling properties. The real estate market is open to beginners and Arizona Hard Money Loans can help put the cash in your pocket you need to get started achieving your goals.

With the right private money loan, you can be well on your way to becoming a millionaire. Be open to learning more about this exciting new opportunity and don’t let a chance like this pass you by

Arizona Private Money Lenders are Happy to Help You Achieve Your Financial Goals As Soon As Possible

A private money loan is the unique investment opportunity you have been waiting for, especially if you do not have much experience working in real estate or do not currently have a strong credit rating. Private money loans are opening doors for people who are serious about making real money in real estate.

If you need cash fast to get a jumpstart on your real estate career, know that there are Arizona Private Money Lenders in your area that are ready to help give you the funding you need to get started making a huge profit in the real estate industry.

With the right private money lender, you can finally have the money you need to start making money on the real estate market. It may be true that you have to spend money to make money. However, the right private money loan can help ensure you get a huge return on your investment.



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 Evaluate if Commercial Hard Money Loans in Arizona are Right for You

You still have options if the banks won’t fund your business mortgage. If you’ve got a solid business plan, commercial Hard Money Loans in Arizona are a great way to get your project off the ground.

Big banks reject a lot of small-business owners because their projects tend to come with greater risk. They prefer to have sure bets, so they heavily weigh things like credit scores, years in business, and revenue. Worse yet, having your score checked repeatedly, regardless of whether you’re denied or decide not to take the offer you’re given, can hurt your chances of getting approved later, so it’s important to evaluate all your options before moving forward with any one choice. If the banks won’t play ball, there are three main alternatives to look into; credit unions, regional banks, and commercial Hard Money Loans in Arizona .

Credit unions can work if you’re just shy of qualifying with a big bank or you aren’t being offered good terms. You do have to qualify to join one before applying and the criteria will vary based on the institution. Many have higher approval rates and, because they’re non-profit organizations, you’ll likely see lower fees and interest rates. However, if you’ve got rotten credit, don’t live near a credit union, or don’t qualify to join one, you’ll likely need to explore other options.

Regional banks can be another alternative. According to Yardi Matrix Director of Research Paul Fiorilla, they’ve seen the greatest growth when it comes to commercial and multifamily mortgages, which suggests approval rates are slightly higher. “Generally, the smaller the bank, the larger the concentration of commercial mortgages,” he says. While this may be good news right now, he adds that “historically, small banks have played a major role in some of the markets biggest busts,” and expresses concerns that the density seen with smaller banks could spell out trouble in the near future; both for the banks and hopeful borrowers. Moreover, many tend to focus on niche businesses that they know and trust, so the banks in your area may not be big on your preferred property, and some are moving away from fixed-rate solutions to protect themselves from Federal Reserve interest rate hikes.

Private and Hard Money Provide Options and Relationships

Doors really start to open when you explore commercial Hard Money Loans in Arizona . It’s no longer a matter of having a perfect credit score or fitting into a specific niche, but rather having a good business plan and connecting with an experienced broker. Your broker will get to know you and your plans and will then find a private lender who likes to fund projects like yours. Because the approach differs, approvals increase and you’ll likely be offered better or more flexible terms.

There are fewer regulations with private lending, so there’s less red tape and you can get funded faster.

Part of the flexibility afforded by commercial Hard Money Loans in Arizona comes from the fact that they’re not subject to the same regulations conventional mortgages are. This also means the process is streamlined and you can be fully-funded in a matter of days, not a month or more like you’d probably experience with a credit union or regional bank. So, if speed, credit, and denials are getting in the way of funding your business mortgage, touch base with an experienced broker to find out what terms you’ll qualify for with a private lender.



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

Why Do Texas Hard Money Lenders Prefer to Work with LLCs?

If you’ve worked with Texas Hard Money Lenders before, you know how they operate, but if you’re applying for a loan the first time, it can be difficult to know what to expect. Arm yourself with the information you need to spot a bad deal, so you can have a successful venture.

Outright scams are incredibly rare when it comes to Texas Hard Money Lenders. The only news-worthy case in recent history involves investors who believed they were funding deals and unfortunately lost $1.2 billion, according to a Mortgage Professional America report. On the borrower side of things, similar events are largely unheard of, but the story highlights a major point. When you’re borrowing from Texas Hard Money Lenders, you’re usually being funded by private individuals. The regulations regarding the loans are different compared to what you’d find with a traditional business loan and the approval process is unique too. How can someone with little experience stay protected in uncharted waters?

For starters, it pays to watch for offers that promise way more than others are doing. For example, ultra-low interest rates can signify there are hidden fees or a promise that the group will fund any deal should raise red flags. Realistically, no investor could fund all deals because not every borrower is a safe bet.

Secondly, serious investors are going to investigate you and your proposals. More often than not, people turn to alternative funding because a bank loan isn’t going to cut it, so investors must be incredibly diligent about checking into things before funding. If they don’t personally check out a property or business site or send someone out whom they trust prior to approving, that’s also a red flag. They should be going over your application with a fine-toothed comb too. If you have a broker helping you through this process, you might not notice any hitches because he or she will likely catch anything before an application is submitted, but it’s something to be aware of if you’re going it alone.

If You Can Run a Web Search, You Can Identify the Real Deal

Thankfully, it’s usually easy to tell who’s legit and who’s not. Authentic Texas Hard Money Lenders will have an established web presence going back many years. Anyone who isn’t doing business on the up-and-up can’t keep using the same name because it will get tarnished fast. While every company that’s been in business for an extended period of time will likely have a couple negative remarks purely because they’re coming in contact with the general public, you should be able to identify an overall trend in the business reputation.

A reputable financing team will find a win-win solution.

Whether you’re working with a broker or directly with your investors, the aim is always to cultivate lasting relationships. When you’re successful, they’re successful, so they want to fund your deal and have you come back again. Even if a team cannot help you this time, they will still treat you with respect with the hopes that they can help you the next time.

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

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

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

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California Hard Money

California loan Broker

Dennis Dahlberg

Supplier/RI/CEO/MLO

Level 4 Funding LLC

Tel:  (623) 582-4444 | Fax: (888) 279-6917

www.l4f.info

NMLS 1057378 | AZMB 0923961 | MLO 1057378

23335 N 18th Drive Suite 12

Phoenix AZ 85027