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Monday, August 28, 2017

Top 3 Qualities To Look For in a Commercial Lending Professional

Working with a trusted, experienced commercial lender will make a big impact on the success of your project. Increase your chances for success by learning how to pick the right lender from the start.

Investments in commercial real estate represent a wide range of opportunities for companies or individual entrepreneurs. That being said, taking advantage of these opportunities is considerably easier when your company is working with an experienced, effective commercial lender. There are multiple ways that you can evaluate a commercial lender and decide if that professional provides the financial services that fit your company’s short- and long-term goals.

The following three qualities, however, are easily the most important factors for businesses to focus on when choosing a commercial lender. Working with the right lender, one who understands your company’s commercial real estate project from every angle, makes all the difference.

1. Experience With Your Project Type: A smart company collects information from as many sources as possible in order to make fully informed decision. Your commercial lender can offer valuable insights regarding financial hang-ups related to your project, but only if they themselves have plenty of experience in the industry.
Whether your next real estate project is residential, industrial or multifamily, make sure your lender has something to brings a new perspective to the table when it comes to industry best practices. Working with a lender with limited experience puts your project at risk from the get go.

2. A Proven Portfolio: It should be easy to determine if a commercial lending professional has the work experience to backup their claims. Their website should have a comprehensive portfolio of all the recent projects that the lender has financed. If you’ve selected a commercial lender with relevant project experience, their portfolio should include other development or real estate projects that are similar to yours. These comparisons can help you get a better idea of what to expect with regard to lending terms as well.

3. Flexible Lending Terms: The cost, length, scope and projected ROI of your project will ultimately determine the terms under which a commercial lender is willing to finance your development. That being said, the willingness to make these conditions work for the client will vary widely from lender to lender. Some financial institutions, such as banks and federal lenders, are limited by very specific terms that may not fit every project. Your company may need the services of a private lender to get the very best terms for a commercial loan.

How Do You Find An Experienced Private Commercial Lending Professional In Your Area?

When searching for a trusted commercial lender in your area, be sure to put these evaluation strategies to work. A lender with years of experience financing projects like yours can be an extremely helpful ally during every stage of development. Practice due diligence while you search for a lender who offers real value to your project. Find a trusted commercial lender in your area as you evaluate the type of financing your business needs.

Does your company need to act fast on a commercial real estate deal? Does your business need a commercial loan under special terms? Get help from an experienced commercial lender today.

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
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
clip_image002clip_image004clip_image006clip_image008

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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years. 

Technorati Tags: commercial loans,commercial lending.commercial mortgage

3 Reasons Your Small Business Needs A Commercial Real Estate Loan

One of the most important parts of running a small business is thinking big when it comes to long-term planning. Without a detailed strategy for growth and internal improvement, a small business risks collapsing under unchecked growth or watching new revenue grind to a halt when necessary changes aren’t made to the business model. The best way to avoid both of these two pitfalls is to develop a plan for strategic growth and identifying smart strategies for funding that growth.

Enter commercial real estate loans. There are multiple ways that a commercial loan can put your business in a better position to succeed, ranging from office improvements to savvy investments in lucrative real estate assets. Increasing your knowledge of where a real estate loan can make a big impact for your small business will help you understand just how these investments can be used to secure the future of your company.


1. Superior Office Space Improves Productivity - Whether your goal is to make green upgrades, add space for new employees or create storage for equipment upgrades, there’s a long list of ways that a commercial business loan can give a key advantage to small businesses. By making an office more spacious or investing in key improvements, companies stand to greatly improve working conditions for employees, leading to increases in morale and productivity.
Alternatively, investing in new, customized office space allows businesses to build up their work environments in a way that reflect the direct needs of their employees. The subsequent improvements to performance set the stage for significant ROI once investments in office improvements begin to pay for themselves.


2. Real Estate Assets Offer Extra Revenue - Life can be unpredictable, so forward-thinking small business owners look for chances to create new revenue streams that can support the company through tough times. Extra revenue can also be used to invest in the company, either for internal improvements or to bring on new talent. By making a strategic investment in a reliable real estate asset by way of a commercial mortgage, small businesses can better equip themselves to respond to an unpredictable future.


3. Expansion Spreads Your Brand Footprint - Expanding your business and adding new locations communicates that your company is on the rise. Likewise, added locations translate to greater market awareness as more potential customers will drive by your storefronts on a daily basis. Want to expand quickly into a market that’s perfect for your product? A real estate loan can make it happen.

Which Type Of Commercial Real Estate Loan Is Right For Your Business?

Regardless of what you might need the capital for, a properly timed commercial loan could mean the difference between your business taking off this year or staying stagnant through the rest of 2017. That’s why it’s so important to figure out the type of commercial loan that fits into your short-and long-term financial strategy.

 

Consider the benefits of a commercial mortgage before deciding on your company’s next move.


Time is money when it comes to business, so putting off important decisions can lead to missed opportunities. Don’t wait to find out what kind of commercial loan could help your business. Get immediate information you need by reaching out to a lending professional.

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
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
clip_image002clip_image004clip_image006clip_image008

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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years. 

Technorati Tags: commercial loans,commercial lending, commercial mortgage

Commercial Lending Stays Strong In 2017 Despite Potential Snags

Multiple industry trends have helped keep commercial lending strong this year. Learn more about these trends to see where your business can take advantage.

A number of factors have made the commercial real estate mortgage industry more dynamic in 2017 than ever before. More and more non-traditional lenders have entered the game, leveraging the latest integrated workplace technology to speed up the underwriting process and get an edge over established mortgage firms. As a result, commercial lending has stayed strong in 2017, even in spite of developments that might be expected to derail this consistent growth.


Lead by a major rise in commercial mortgage–backed securities, the commercial real estate mortgage industry performed especially well between March and June of this year. Urban Land, reporting data compiled by commercial real estate firm CBRE, said that commercial loan closings not only continued to rise between March and June but also finished 27% higher than the previous year.


Researchers from CBRE noted that pension funds, insurance companies, banks and other non-traditional lenders are actively investing in commercial mortgage-backed securities (CMBS). This diverse source of growth has been a major factor in helping the industry stay strong despite a myriad of potential problems.


The first potential snag that the lending market has seemingly overcome in 2017 is ongoing action by the Federal Reserve to raise interest rates that directly impact commercial real estate mortgages. Typically, interest rate hikes can discourage borrowers from taking loans or limit the amount of funds they choose to borrow.
According to Forbes, much of the potential issues have been offset by companies trending toward 5-7 year financing periods, allowing borrowers to refinance as their investment plays out. This flexibility is a strong incentive for borrowers to consider a commercial mortgage in spite of the increase in interest rates.


The National Association of Realtors also reported that large segment of 10-year commercial real estate mortgages, taken out between 2005-2007, were scheduled for refinancing between 2015-2017. Many experts suspected that this wave of refinanced loans would be detrimental to new loan growth this year. On the contrary, the number of transactions that have failed during the refinancing process have decreased over the past few years rather than spike. This unexpected stability has clearly been a major contributor to the strength of the lending market in 2017.

A Strong Commercial Lending Market Could Propel Your Business

More flexible lending conditions across the industry have undoubtedly played a role in sustaining a healthy lending market. Likewise, greater availability of short-term commercial loans have encouraged businesses to pursue new business opportunities. Any company that can leverage access to rapid capital or have long-term financial goals can directly benefit from market conditions in 2017.

 

Find out what you’ll need to take advantage of commercial lending opportunities

Want to make the most of the healthy lending market? You’ll be in a strong position to maximize a commercial mortgage by working with an experienced professional. By taking advantage of their expertise, your company stands to deploy a practical financial strategy in 2017 with the promise of a high ROI. Don’t miss out on this chance to pursue your company’s most ambitious business goals this year.

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
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
clip_image002clip_image004clip_image006clip_image008

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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years. 

Technorati Tags: commercial loans,commercial lending.commercial mortgage

Commercial Lending Stays Strong In 2017 Despite Potential Snags

Multiple industry trends have helped keep commercial lending strong this year.

Learn more about these trends to see where your business can take advantage.

A number of factors have made the commercial real estate mortgage industry more dynamic in 2017 than ever before. More and more non-traditional lenders have entered the game, leveraging the latest integrated workplace technology to speed up the underwriting process and get an edge over established mortgage firms. As a result, commercial lending has stayed strong in 2017, even in spite of developments that might be expected to derail this consistent growth.
Lead by a major rise in commercial mortgage–backed securities, the commercial real estate mortgage industry performed especially well between March and June of this year. Urban Land, reporting data compiled by commercial real estate firm CBRE, said that commercial loan closings not only continued to rise between March and June but also finished 27% higher than the previous year.


Researchers from CBRE noted that pension funds, insurance companies, banks and other non-traditional lenders are actively investing in commercial mortgage-backed securities (CMBS). This diverse source of growth has been a major factor in helping the industry stay strong despite a myriad of potential problems.


The first potential snag that the lending market has seemingly overcome in 2017 is ongoing action by the Federal Reserve to raise interest rates that directly impact commercial real estate mortgages. Typically, interest rate hikes can discourage borrowers from taking loans or limit the amount of funds they choose to borrow.


According to Forbes, much of the potential issues have been offset by companies trending toward 5-7 year financing periods, allowing borrowers to refinance as their investment plays out. This flexibility is a strong incentive for borrowers to consider a commercial mortgage in spite of the increase in interest rates.


The National Association of Realtors also reported that large segment of 10-year commercial real estate mortgages, taken out between 2005-2007, were scheduled for refinancing between 2015-2017. Many experts suspected that this wave of refinanced loans would be detrimental to new loan growth this year. On the contrary, the number of transactions that have failed during the refinancing process have decreased over the past few years rather than spike. This unexpected stability has clearly been a major contributor to the strength of the lending market in 2017.

A Strong Commercial Lending Market Could Propel Your Business

More flexible lending conditions across the industry have undoubtedly played a role in sustaining a healthy lending market. Likewise, greater availability of short-term commercial loans have encouraged businesses to pursue new business opportunities. Any company that can leverage access to rapid capital or have long-term financial goals can directly benefit from market conditions in 2017.

Find out what you’ll need to take advantage of commercial lending opportunities

Want to make the most of the healthy lending market? You’ll be in a strong position to maximize a commercial mortgage by working with an experienced professional. By taking advantage of their expertise, your company stands to deploy a practical financial strategy in 2017 with the promise of a high ROI. Don’t miss out on this chance to pursue your company’s most ambitious business goals this year.

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
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
clip_image002clip_image004clip_image006clip_image008

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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending.commercial mortgage

Understanding Commercial Lending Repayment Terms and Schedules

Commercial lending is similar to personal lending in some aspects but not all of them. In most cases the terms and repayment schedule for a commercial loan are very different than that of a personal loan.

Most consumers are familiar with a typical personal mortgage loan and the terms of 15 or 30 years. With this type of loan you make regular payments which are amortized. But commercial loans are available in two different formats. The first is an intermediate term loan and it covers a span of three years or less. The second is a long term loan and those will span five to twenty years. In addition, there can be a balloon loan which has a final payment that is the balance of the loan at that time.

The balloon loan is the type that requires some careful consideration and planning for a business owner. This can be a good solution if you know that your business will have a much larger income in a few years or if you are expecting to sell shares of the company to raise capital to pay off the mortgage. The term is typically five to seven years and then the final payment comes due. In most cases, this payment is a very substantial amount. Over the course of the loan the payments have been manageable but they have not reduced the loan amount a great deal. Hopefully you have been setting aside money to make the final payment on your commercial mortgage but if you have not then you are going to need to refinance the balance of the loan.

Refinancing the balance to a long term amortized loan could be an option, but you will need to be sure that your business is financially stable and can qualify for the new mortgage. In most cases, a company that has been in operation for five to seven years has enough credit established to qualify for a mortgage loan, but if not then you will need to submit personal financial documents from the business owners to secure the loan. Also, the equity that you have in the property should help your business to secure the funding needed to pay off the original balloon payment.

Understand the Full Interest Rate

Often times a commercial loan will have the interest rate listed and then also points will be listed. That is in essence the same as interest but it is paid immediately. So be sure to add up both of those items to know the true rate that you are paying for the money that you are borrowing. You can also help to reduce the interest rate that you are paying by making as large a down payment as possible. The larger the down payment the more equity there will be in the property and that means less risk for the lender so they offer a better interest rate.

Know What You Can Afford and Final Terms That Benefit Your Needs

There are many different types of commercial lending available and you need to be diligent in learning as much as you can about the loans and their different benefits. Repayment schedules can vary greatly and what seems like a reasonable monthly payment can leave you scrambling to meet a balloon payment that could end up in a foreclosure. Make a smart selection to ensure that your business remains financially stable.

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
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

clip_image002clip_image004clip_image006clip_image008

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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: commercial loans,commercial lending.commercial mortgage

4 Problems Your Business Can Solve With A Commercial Loan

Sometimes your business needs quick cash to solve a major problem.

A strategic commercial loan can fill the gap, allowing your business to remain flexible with its capital.

Whether your company has recently chosen to make a commercial real estate investment or is just in need of rapid access to capital, a business loan is a flexible solution to a long list of problems. Understanding the type of hurdles a commercial loan could help your business overcome is the first step toward knowing if this is a sound financial move for the immediate future.
The following pain points are just a few examples of issues that can rapidly be addressed with a loan:


1. Missing Equipment And Lost Personnel - Accidents happen. Equipment breaks down. Key employees quit abruptly. All of these events can cripple your business’ momentum and hit your bottom line out of nowhere. A smart business loan can be used to repair a facility, replace much needed talent or purchase necessary equipment upgrades. Addressing such issues immediately with a business loan prevents your company from facing the long-term consequences of unexpected losses.


2. Need For A Flexible Line Of Credit: Whether your business is looking to spend while protecting its existing capital or needs to build credit for the future, business loans can be used as a versatile means of turning financial strategies into a reality. By negotiating terms that are favorable in immediate future, your business can maximize the effectiveness of a business loan.


3. Capital For Short-Term Investments - Business leaders know that there are many times when flexible capital is necessary to take advantage of a short-term investment. When the ROI is more than likely to pay back the amount of the loan, borrowing the amount is a helpful solution to have on hand when the perfect opportunity comes knocking.


4. Limiting Physical Space - Available square footage has a huge influence on the success of your business. In corporate offices, modern amenities and generous work spaces can make employees more loyal and productive. On the other hand, a stifling, poorly equipped office can stifle creativity and morale. Similarly, lack of space in a retail or service industry space make it harder to attract repeat business. A business loan can make it possible for your business to quickly absorb new operating space


How Do I Find Out More About Commercial Loans For My Business?

Doing your homework is a necessary part of any major business decision. The choice to take out a loan is no different. That’s why it makes sense to spend time learning as much as you can about the common terms and conditions that go along with a business loan. Your company wants to know what to expect in the long-term.

Don’t make a decision without consulting an experienced commercial lending professional

Want to know more about the right type of commercial loans to meet the needs of your business? Get in touch with an experienced lender to get a clearer picture of what financing for your next expansion, development or strategic investment might look like. The quicker you take advantage of all the benefits a smartly timed business loan provides, the sooner you can see these perks play out for your business.

Dennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC  Private Hard Money Lender
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

clip_image002clip_image004clip_image006clip_image008

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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.


Wednesday, August 16, 2017

Deutsche Bank Gets Their Butts Nailed for $95 Million ……Is that a lot of Money?


The state of Maryland has reached a $95 million settlement with Deutsche Bank over claims of deception with their sale of residential mortgage-backed securities. Maryland Attorney General Brian Frosh announced the agreement earlier this month that includes a requirement that Deutsche Bank provides $80 million in relief to the state’s consumers. Municipal and local governments also stand to benefit from the deal as the agreement stipulates $15 million of the $95 million restitution going towards public investments.

Deutsche Bank is accused of providing misleading information to investors regarding securitization and collateralized debt offerings. All of the alleged turmoil ensued before the nation's financial crisis that occurred nearly a decade ago. The Department of Justice accused Deutsche Bank of knowingly making false or misleading representations when soliciting to investors. Such fraud centered around the nature of mortgage loans that were issued between 2006 and 2007. The advances totaled in the billions and included private buyers as well as corporations, along with public entities such as city and county governments.

Deutsche Bank acknowledged its failure to provide investors with complete and accurate information, and thus agreed to a settlement that included relief to homeowners currently underwater because of the financial institution’s carelessness. The Department of Justice has mandated around $4.1 billion in aid going to such borrowers, with an $80 million portion of the most recent agreement set aside for consumers, accounting for some of the funding.

Mortgage forgiveness and forbearance are two of many ways that Deutsche Bank plans to make good with the public on the $95 million settlement. The financial institution also plans to implement low to moderate income lending along with affordable housing practices. Investing in the community as a whole will be another way that Deutsche Bank makes amends for its wrongdoing. The corporation has plans to contribute to housing stabilization for various cities and, as a result, help shore up the state of Maryland's economy.

It seems that Deutsche Bank has had to answer up in recent months for some deceptive practices. The financial institution settled a federal mortgage probe in December 2016 in which it was ordered to pay a civil penalty totaling $3.1 billion. The final price tag for the investigation was $7.2 billion, which was a reduction from the initial $14 billion that the government initially proposed. The $4.1 billion relief expense imposed by the Department of Justice resulted from this probe and may have contributed to Deutsche Bank’s legal costs, which accounted for $2 billion in losses on the financial institution’s fourth quarter report.

Deutsche Bank was also found liable in a silver manipulation lawsuit in October 2016, and ordered to pay $38 million in damages. The financial institution is accused of employing manipulative device claims along with a myriad of other offenses that it was unable to refute effectively. The original class action lawsuit for this matter was filed in July 2014 and included other banks, which subsequently cleared their names and avoided substantial penalties over the alleged deceptive practices.

The most recent settlement between Deutsche Bank and the state of Maryland adds to the company’s total in legal bills and overall liabilities.

Only time will tell if more cases concerning Deutsche Bank result in losses, placing, even more pressure on the Frankfurt-based financial services company to revamp their policies.

Posted By Amy Martinez | Geraci Law Firm

Dennis Notes:

I remember my first real estate class with Skip at Westford Collage of Real Estate years ago, and one of the first things he said was 'full disclosure'. Never hide information about the deal. Today I'm the mortgage business (private hard money), I remember this comment. But I'm always surprised when I talk to borrowers who try to 'hide pertinent facts' about the deal. It's a feeling that what you don't know is none of our business. I partially get concerned when I ask borrowers questions, and three is a reluctance in telling the true story about the deal. when I look at those trouble loans that went off the deep end, there always was some shenanigans occurring by the borrower. Not telling the true story and hiding information about the transaction only to be discovered when the deal goes to foreclosure. Of course you know when the deal goes off the tracks, the borrower always wants to blame someone else, like the mortgage company or you the sales agent. My recommendation is to avoid these sketchy individuals that are trying to do some sneaky transactions. Usually my instincts tell me what's going on, but sometimes they slip thru and cause problems. So beware, always disclose and hopefully your client will fully disclosed to you also.



Happy senior business man making his notes at workDennis Dahlberg Broker/RI/CEO/MLO
Level 4 Funding LLC 
Private Hard Money Lender

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

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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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.