Arizona Commercial Loans and Commercial Property types: Tips for individual investors

If you’re not a real-estate conglomerate, you may be wary of taking on Arizona commercial loans to invest in commercial real estate. Learn about the general commercial property types, the amount of financing you should aim to secure and general strategies to maximize the returns from your Arizona Investment Property.

Commercial real-estate can be a confusing business, and if you are beginning to invest in real estate, you might consider avoiding commercial property altogether. While investing in commercial property is a bit more complicated than investing in residential property, there are some basic property types, prices ranges and general strategies that every commercial real estate investor should know.

Broadly speaking, there are three types of commercial real-estate you might consider purchasing. The first is multi-family housing (i.e., apartments), which is any form of accommodation with 5 or more units. The second class of properties are shopping centers, vacant storefronts or empty units in strip malls. The third class of properties are offices, and this property type is pretty self-explanatory There are of course other types of commercial real estate, but these are three classes an individual investor should consider.

When it comes to Arizona commercial loans is there a specific amount of financing for each type of property?

There is no specific amount of loan for each property type, but as an individual investor, you should start small.

When it comes to multi-family investments, look for properties that are in the 500 k to 5 million dollar range. When it comes to both offices and shopping centers,  your best bet at first is to start small and then scale up as you gain income and experience.

Shopping centers are capital intensive. Until you secure the right mix of tenants, your investment will not generate a whole lot of consistent income, so you don't want to take out a massive loan at first. This same principle holds true for offices as well. Until you have a few long-term leases, you won't likely see a steady stream of income from your investment, so start with a small loan.

Buying a large, expensive group of apartments, a massive storefront or a class A office building could mean you'll be saddled with a loan you can't afford. However, as you gain income and experience, you can then scale up and begin investing in larger commercial properties.

So start with a small loan and then scale up your investment efforts.

When it comes to Arizona commercial loans what is the best way to make money and generate a return from your investment?

Its simple, you want to build equity.  An overarching theme when it comes to all types of commercial property is to increase profitability. By increasing the profitability of commercial property, its overall value increases, allowing you to build equity.

You can increase the profitability of commercial property by making improvements, increasing rents or cutting down on expenses wherever possible. This general strategy holds true for all three commercial property types. After you have built up enough equity in your investment, you can simply hold onto it, or you can pay off your loan either by refinancing or by reselling your property at a profit.

So commercial real-estate investment doesn't have to be complicated. As individual investor you need to the consider the type of property, you need start small until you have a steady return from your investment and you need to increase the profitability of your Arizona Investment Property in order to build equity.

 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.

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Arizona Hard Money Lenders: A Helping Hand for those in Financial Turmoil

If you are a real-estate investor and have recently experienced bankruptcy or some other financial difficulty, you likely won't be able to qualify for conventional financing. In spite of your current credit challenges, Arizona Hard money lenders can help you acquire new properties and continue investing in real-estate. Just don't consider hard money the best way to clear up personal debts or think of it as a long term solution.

If you’re a real-estate investor and your last deal didn't quite pan out the way you planned, you might find your credit in ruins and yourself unable to secure new financing. Even so, you still have options which can enable you to continue investing in real-estate, I.e., Hard money.

If your not aware a hard money deal is secured by the "hard asset," being purchased, which means that your current or past financial difficulties aren't at the forefront of a hard money providers mind. If there is enough potential in your real-estate investment, this type of lender may be willing to overlook your financial difficulties, including bankruptcy.

Arizona Hard money lenders might be able to overlook your financial difficulties, even if you’ve undergone a recent bankruptcy you might still be eligible.

Hard money providers consider the value of your investment, instead of your financial situation. However, this type of lenders willingness to overlook your financial difficulties will vary and will depend on their appetite for risk.

Nevertheless, credit is basically a non-factor in the case of hard money, and you may qualify even if you've undergone a recent bankruptcy.

Note however that under Chapter 13, you will have to negotiate any hard money deal with your previous lenders; so under Chapter 13, it might be impossible to secure hard money financing.

But even if you can qualify for hard money, is this the right financial solution for you?

To avoid the pitfalls that come hard money carefully evaluate your situation. Arizona Hard money loans are best used for real estate investments and you should not consider them a long-term solution to your current financial issues.

Hard money is probably not an ideal solution for general day to day financial issues. In most cases, hard money is meant exclusively for investment in real estate. That is because it’s the value of real estate secures most Hard money deals.

So, unless you are willing to pledge your primary residence to secure this type of loan (probably not a good idea if you can't pay your current debts), don't consider hard money as the best solution for personal financial issues.

Hard money is also not a long-term financial solution. This type of lender charges more in interest because of the risk they take in overlooking your credit score.  Most hard money deals are for the short-term and are usually paid off by the resale of the property being financed. In the case of hard money, your aim should be to pay the loan off as quickly as possible. Note however with hard money there is usually the option to refinance to a less expensive loan after your financial situation improves.

Basically, Hard money gives you options. Hard money providers can look past a recent bankruptcy because credit is not their primary consideration. Nevertheless, hard money is not the way to overcome personal financial difficulties, as this type of loan should be used to invest in real-estate.

In the case of hard money, always have a plan in place to pay the loan off as quickly as possible, either through the sale of your Arizona Investment Property or refinancing.

Still, hard money enables real-estate investors in the midst financial turmoil to continue making deals and purchasing new properties.

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

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

Evaluating your options when it comes to Arizona Investment Property Financing

Evaluating your options when it comes to Arizona Investment Property Financing real estate, you may be overwhelmed by the multitude of Arizona Investment Property financing options available.

The first option you might consider if you want to invest in real-estate is a conventional investment mortgage. An investment mortgage, is the same thing as a regular mortgage expect that it is used to purchase investment properties.

While an investment mortgage offers the lowest rates, the underwriting process takes a long time. In the worst case scenario, the sale of the property you were considering might go through, as you wait on your conventional lender to review reams of financial documents. So, if a conventional investment mortgage is the only financing option you consider, you could miss out on the best deals.

While conventional financing offers the lowest interest rates, these lenders have exceptionally high standards which many new investors may not be able to meet. The main issue comes down to credit, to get the best conventional investment mortgage possible your credit score should be over 700, the minimum is 620. So if your credit score is lower than 620, there is little to no chance you can qualify for an Arizona investment mortgage.

So if you can't qualify for a conventional Arizona Investment Property financing, can you still finance the purchase of an Arizona Investment Property?

Some investors draw equity from their primary residence to finance the purchase of their first Arizona Investment Property,  while others secure loans from crowdfunding websites. Some investors may have friends or family members with deep pockets, who are willing to help and who can finance their first purchase.

Home equity lines of credit, crowdfunding, and personal loans are all options you could consider if you can't qualify for a conventional investment mortgage. However, of course there are drawbacks to consider.

With home equity loans, you put your primary residence at risk if you default. With crowdfunding there are not guarantees your loan will ever be fully funded and borrowing from close friends and family can put a severe strain on your relationships if you run into financial difficulties.

If you can, you should consider hard money which can be an excellent Arizona Investment Property financing option

This type of lender uses the value of the property you aim to purchase as a means to secure the loan. For this reason, hard money providers can look past your financial situation and your personal credit score, making hard money an option if you can't qualify for a conventional investment mortgage.

Unlike home equity loans, with hard money, there is often no need to pledge your primary residence as collateral. Most hard money providers have the funds on hand to fully finance your loan. So with hard money, unlike crowdfunding, there is no need to wait around for your loan to be fully financed. Unlike personal loans, you don’t risk your relationships with hard money.

While hard money is more expensive than other types of financing, it gives you options.

After you purchase your Arizona Investment Property, you can always refinance to a less expensive conventional loan after your financial situation improves.

So if your just getting started in real-estate investment and you can’t qualify elsewhere consider hard money as a potential financing option.

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

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

How to Know if a Hard Money Lender is the Real Deal

If you’re like most people looking for finance options, no doubt you’ve heard horror stories about lenders who totally dropped the ball and derailed a project. You may have even experienced it yourself. While personal referrals and online reviews can make it easier to find a reputable hard money lender, it doesn’t necessarily mean you’ll have the same experience. Moreover, companies tend to specialize in a specific loan type or cover a geographic area, so many people are on their own even if they’ve been through the process before or know someone else who has been. However, there are a few things you can look for when you make contact with a company that indicate they’re a good company to work with.

For starters, they’ll recognize your time is valuable. One of the biggest benefits of working with this type of financing is that it enables you to have cash in hand fast. If they’re dragging their feet and not returning calls promptly now, there’s no telling if or when you’ll get your cash. However, if they return calls promptly and address your concerns, you’re on the right track. You should be able to count on having cash on hand in a matter of days or weeks, not months.

Secondly, your broker will be eager to listen to you and help you strategize. There are lots of different financing options, and your broker should be able to ensure you’re finding something that’s right for you based on your needs.

Lastly, they’ll have experience in the area you’re working in. Single-family homes, multi-family homes, commercial properties, and other project types each require a unique set of expertise. You’ll want to be sure you’re working with someone who understands what you’re planning to do in order to make the approval process smoother.

Will a Reputable Company Still Work with Me if I Have Rotten Credit?

One of the biggest things a hard money lender will look at is the value of the asset in question. Although there are other factors involved in making a final decision, they tend to matter to a much lesser degree. For this reason, bad credit and even bankruptcies are less of a concern when you go with this type of financing.

A good company is there for you when you need them.

When you’re in this type of industry, building positive relationships is everything. A good hard money lender knows this and will do their best to help you regardless of your circumstances. In times where they can’t, they’ll still treat you with the respect you deserve. If you’re looking for lending solutions but aren’t sure which company is best-suited, contact Level 4 Funding. With experience across a broad spectrum of private money loans, a myriad of positive customer testimonials, and a low-rate guarantee, it’s easy to apply with confidence.

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

Technorati Tags: owner occupied home loans,private hard money lender

Why New Fix-and-Flippers Get Denied by Hard Money Lenders (And What You Can Do About It)

People new to the home rehab business often make fatal mistakes that impact their ability to get funding. If you’re preparing to approach hard money lenders, you’ll need to have a few things in place to get approval.

It seems like today we have a fix-and-flip culture. There are TV shows designed around it and almost everyone knows someone who has done a flip before. Unfortunately, those just getting into the field can sometimes take this to mean that it’s easy or that it will generate millions for them overnight. While it can be quite lucrative, you’ll need to know the numbers and have a strategy in place before you can consider it a side-hustle or career.

One of the biggest issues is failure to consider additional cash needs. No matter how great of a deal you’re getting, you’ll need some kind of cash to get going. Although some will provide you with 80% or more of the value of the home, you’ll need to be able to pay the remainder on your own. Moreover, there will be expenses associated with the repairs and that’s not typically part of the initial loan. Those just getting into the business can really benefit from having a trusted inspector visit the home in advance of a purchase to help determine what repairs will be necessary.

The second major issue is failure to have a solid plan. If you have a little experience with home renovations, it’s easy to look a home over and make a mental assessment of the work and costs, but that doesn’t constitute a plan. They’re taking a risk on you, so hard money lenders will want to know everything from your timeline through costs and exit strategy. Don’t think this means you have to take everything on alone, though. You can build a network of professionals and bring them in to consult on your projects or see if a seasoned home rehabber will mentor you.

Are There Other Things That May Stand in the Way of Becoming Successful?

Even experienced home flippers run into a bump or two on each project. It’s their ability to anticipate issues and set aside the time and money to deal with them at the onset of a project which helps ensure they achieve what they set out to. If you’re told “no” by hard money lenders at first, don’t be dejected. Instead, ask questions to find out what you can do to improve the odds next time around.

Every HML has different guidelines, so the best way to know if you qualify is to get in contact.

The better your planning is and the more numbers you crunch, the greater your odds are of getting a green light on a project. Hard money lenders simply want to know they’re investing in you wisely, and although the value of the home is arguably the biggest factor for most, each uses a different set of criteria to judge. At Level 4 Funding, we’ve heard stories from our own clients about how other companies have dropped the ball and cost a client a property, and while we can sympathize, our ability to help where others don’t, and low-rate guarantee are things we’re proud to offer because it sets us apart from the pack. While we enjoy working with home rehabbers who have an established track record, we help newcomers too. If you’ve got a solid plan for a fix-and-flip, give us a call today.

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

Technorati Tags: owner occupied home loans,private hard money lender

3 Ways Owner Occupied Hard Money Lenders Help with HUD Homes

HUD Homes are sold “as-is” and hit the market at fair market value after an appraisal, meaning they can be very low-risk investments. It may be difficult to find owner occupied hard money lenders for funding, but doing so may open up a world of possibility.

The Federal Housing Administration (FHA) is part of the US Department of Housing and Urban Development (HUD). When a homeowner has an FHA loan and the home is foreclosed on, the lender can file a claim with the FHA for the balance of the loan. Once paid, ownership of the property is then transferred to HUD, which is then responsible for getting the home resold. The home is inspected and a fair market value is assigned, so residences which need work are priced accordingly. Those who wish to purchase a HUD home can choose from a number of financing options, including owner occupied hard money lenders. There are many benefits of going this route.

1. You can buy before other investors. HUD won’t sell to investors right away. When a home first becomes available, only people who want to reside in the home can purchase it. After a period of time, investors are allowed to purchase it, which can increase competition.

2. You can have cash on hand quicker. Going with an HML is essential if you need to move quick. Offers made by those with cash in hand or who have pre-approval are generally considered before all others, but with HUD homes, buyers are expected to have financing in place before bidding.

3. You can get financing when traditional lenders won’t provide it. HUD doesn’t fix homes before they’re resold; they’re sold “as-is.” While this can be a fix-and-flipper’s dream because of the low sales price and potential for great returns after the repairs are made, traditional lenders can be picky about the conditions of a home. It can also be difficult to get financing from a traditional lender if you have less-than-stellar credit or are self-employed, among other things. Owner occupied hard money lenders use different criteria to determine which projects they’ll finance, so they can often help when a mortgage company won’t.

Is it Always Best to Work with an HML for HUD Homes?

There are multiple types of financing available for HUD homes, and each one can be beneficial under different circumstances. It’s also worth noting that not all HMLs will provide owner occupied loans. Many focus solely on investment properties a buyer does not plan to live in. For this reason, you should know your exit plan long before you begin looking at homes or finding lenders.

Learn the benefits and potential pitfalls before getting started.

Owner occupied hard money lenders typically prefer to work with experienced investors, but even newcomers may be able to secure funding if it’s clear they’ve done the number-crunching and have a solid strategy. If you’ve been considering purchasing a HUD home, Level 4 Funding can help regardless of whether you plan to live in the house or not. Contact us to learn more about how our programs work.

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

Technorati Tags: owner occupied home loans,private hard money lender

How to Build Wealth Using Owner Occupied Hard Money Loans

Owner occupied hard money loans are the unsung heroes of the real estate biz. Knowing how to leverage them is key for those who have dreams of going big but are just starting out.

Many people dream of getting into real estate because it’s a solid way to build wealth, yet quickly back down when they realize it’s also an expensive “game” to get into. Although few realize it, owner occupied hard money loans are often a gateway to wealth, giving those with an entrepreneurial mindset a chance to build even if they come to the table with very little to start. Before getting into how to leverage them, let’s break down how they’re different.

Owner Occupied: As the name implies, the person making the purchase intends to live on the property. This is common with foreclosures and HUD homes, with the latter requiring that the owner reside in the home for a full year before converting into a rental. Some co-ops and homeowner’s associations have a similar stipulation, though it’s generally permanent, meaning the owner must always be the one occupying the residence. Whether the owner intends to reside on the property or not will impact loan terms too, with those intending to stay generally receiving more favorable terms. It’s also worth noting that guidelines will vary from one contract to the next, so it’s important to read all contracts carefully to determine what an entity considers “owner occupied” and what stipulations come along with the designation.

Non-Owner Occupied: Generally speaking, the term “non-owner occupied” won’t appear much outside the mortgage industry. In this case, it’s used to designate risk. Perhaps not surprisingly, an investor dealing with money troubles is likely to let a loan for a rental or investment property go into default before he’ll put his primary residence at risk. For this reason, banks tend to be a little cautious here. It can be more challenging to get a non-owner occupied loan and the terms won’t be quite as good as they would have otherwise been.

A Win-Win Solution for Those Starting Out

Naturally, those just starting out don’t generally have strong records and pockets lined with cash like the banks like. However, one thing those who do make it have is tenacity. They’re willing to put in the work to see good returns. They just need a clear path to follow. By opting for an owner occupied loan, you’ll naturally get more favorable terms. Many people prefer this anyway because the first home they invest in is something they work on in their spare time, so being on site is a no-brainer. Plus, they aren’t paying a separate mortgage or rental payment to have a place to live at the same time. Opting for owner occupied hard money loans versus a traditional bank loan also opens up more doors, like closing fast and not having to struggle with all the requirements traditional mortgage companies have. From there, you can fix up the property as you have time and then flip it a year or two down the line when you’re ready.

It’s important to have clear expectations before getting into fix-and-flips.

Before you get into fix-and-flips, particularly if you plan to live in the home while you work on it, it’s essential to have an exit strategy and timeline. While some savvy entrepreneurs sell after a year or two, picking up anywhere from $10k to more than $50k per sale depending on their level of expertise, others convert their homes into rentals and build up a portfolio. Knowing where you plan to go after and what your anticipated timeline is will ensure you maximize your earnings. If you think owner occupied hard money loans may be the first step on your path to wealth, call us today for details.

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

Technorati Tags: owner occupied home loans,private hard money lender