Private Hard Money Lender in California, Texas and Arizona: November 2015

Featured Post

The Big Show is Coming to Town.

Don’t do it…it’s a big mistake flipping homes can cost you a lot of money . Every week the house flipping circus comes to town and adve...

Monday, November 23, 2015


Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 

Texas Tel:      (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120 | Phoenix | AZ | 85027
111 Congress Ave |Austin | Texas | 78701







 You TubeFace Book  Active Rain  Linked In




Thursday, November 5, 2015

4 Ways to Make Non-Performing Notes Work for YOU!

Note investing is a little known investment strategy that allows you to basically be the bank. As a note investor, you purchase debts from financial institutions and then collect interest on the debt until it is repaid. Some types of notes you can purchase are credit card notes, store financing debts, auto loans, and even home mortgages. Once you own the note, you collect the interest. Depending on what type of note you purchase, note investing is a very safe and passive investing strategy. You buy a note and sit back and make money.

However, not all notes are created equal. Credit card notes and store debts are unsecured, meaning there is not collateral to fall back on in the case of default. They usually earn you higher interest but come with a much higher risk. Mortgage notes are usually fairly safe because the physical property can be used as collateral in the event of default.

If you are interested in purchasing mortgage notes, you can make your money work double or even triple by purchasing non-performing notes. Non-performing notes are pretty much exactly what they sound like, debts that are currently in default. While this may sound like a crazy idea, it has many benefits. Here are a few benefits of purchasing non-performing notes that you NEED to consider.

1. Non-performing notes can maximize your profits while minimizing your initial investment. A $200,000 note will cost you significantly less because it is currently in default, meaning the borrower is not repaying their debt.

2. Once you own the note, you can set about the process of rehabbing it. Just like you would fix up a house, you can fix up a note. Depending on your end goals, there are a few ways to go about this. If the note is for a property you would like to own as an investment, you can foreclose and take possession of the property. Since you got the note at a discount this means you get the property for a significant discount as well.

3. If owning the property is not your end goal, you can re-negotiate the terms of the non-performing note with the borrower. This basically involves changing the terms of the note so that the borrower is able to start making payments and get out of default on the note.

4. Once the non-performing note is performing again, you can either hold onto it and earn interest, or you can sell it as a performing note for a considerable profit.

While non-performing notes are a great way to make money, it is important to remember that there is still risk involved, especially if this is your first time investing in notes. The laws and regulations surrounding note investing are complex so don't try to go it alone. Call the professionals at Level 4 Funding today to get started purchasing non-performing notes.



Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 

Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027


 You TubeFace Book  Active Rain  Linked In




How to Make Money: 3 tips for Investing in Notes


Whether you know it or not, you are already investing in notes, just probably on the wrong side of it. Note investing is the process of buying a debt that is owed and earning interest on that debt until the principal is repaid. If you interested in investing in notes, it is important that you learn all the facts so you know what you are getting into. Here are 3 quick tips to make investing in notes easier and more successful.


1. Do your research and decide which type of note you want to buy. If you are investing in notes, you can purchase credit card notes, auto loan notes, and mortgage notes among a few others. Credit card notes have the potential to earn high interest rates (just think of how much you end up paying if you carry a balance) but are also higher risk because the debt is unsecured. With an auto or home loan, the note is secured by collateral. Many experts prefer mortgage notes when investing in notes because they are a relatively safe options with the potential to make high profits over time.

2. Consider buying non-performing notes. A non-performing note is a note that is in default, meaning the borrower is not making payments on the debt. Non-performing notes can often be purchased at discounted rates and can be rehabbed. Just like a fix and flip property, you can fix and flip a note by either re-negotiating the terms with the borrower, or foreclosing and selling the collateral. This is only an option if the note is a secured debt. Once the note is current again, you can sell the note and make a nice profit.

3. Always work with a financial professional. Investing in notes can be complicated and there are many different laws, regulations, loop holes, and other details that the average person doesn't know about. Use a broker or financial professional to help make sure your investment is secure.

If investing in notes sounds like a great investment strategy, that's because it is. It can be an effective way to earn high interest each month without having to worry about the ups and downs of the stock market. If you are ready to start investing in notes, call us at Level 4 Funding today! We specialize in alternative investment strategies and can help you every step of the way!



Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 

Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com
NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027


 You TubeFace Book  Active Rain  Linked In