Private Hard Money Lender in California, Texas and Arizona

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Saturday, December 15, 2018

Private Hard Money Lender Fix and Flip, Cash Out, Investment Properties

Direct Hard Money Private Lenders
Fix&Flip, Cash Out, Construction

Over $40,000,000 Funded and YOU ARE NEXT!static picture bigger craig list picture
All of Your Funding Problems are Solved Here!
Get the Lowest Possible Rate Term Guaranteed
Rates From 5.99% APR*





If You Are Not Using Level 4 Funding You're
Probably Paying Way Too Much

Call  623-582-4444

Private Hard Money Rates and Terms

Flexible Terms From 3 to 60 Months
Fixed Rate From 5.99% APR*
Up to 90% As-Is Value, 100% of Rehab Costs
Construction Loans
Fix&Fip Loans
AirBnB Loans
Rental Property Loans

All The Stress is Gone

No More Begging
No Jumping Through Hoops
No Tax Returns
No Pay Stubs
No Credit Required
No Up Front Fees or Junk Fees
No Cost to Ask Us

What are you waiting for?
Give us a call or apply on line, its easy.
No Cost to Apply!

application


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

Tel: 623 582 4444   level4funding.com


NMLS 1057378 | AZMB 0923961 | MLO 105737
22601 N 19th Ave Suite 112 Phoenix AZ 85027

What do borrowers say about us?

“Top notch loan broker. who was awesome, quick, prompt, and most importantly, delivered. I would say don't even waste your time with another broker - these folks get the deal done, period. As a lawyer, they have helped me and many of my clients with a can-do attitude, and professionalism that is unmatched. A definite recommendation.” Paul Nordini

“I was working with a hard money lender (OF) for the past ten days. 24 hours before my loan was supposed to close they called me and told me they were lowering my loan amount by 15%. I called Mark G at Level 4 Funding and told him the situation. If you want work with someone honest and professional call Level 4 Funding today.” Roger Johanson

“After hearing, the good things about this company, I think they are on top of their game. I will keep recommending people I know in Arizona to level 4 Funding.” Rick Carrol

"I was scared and not certain about the deals, but when I talked to my attorney I realized the investment was safe and secured, I was ready to go” David F.

What is Private Hard Money?

It is usually a loan from a private person/individual not a bank for financial institution.  Yes, there are people with a boat load of money in the bank and they want to lend it to you.  This is legal, and it happens all the time. It’s their money and they will make a deal with you.  Its easier and faster because the person making the decision is the person who has the money in their possession. It’s called hard money loan because when the loan is made, the collateral backing up the promise to pay by the borrowers is a hard asset. Typically, a piece of real estate or something of value. It’s a promise to pay, backed up by the borrower’s hard asset. So, its private money from an individual backed up by a hard asset. Which means if the borrowers do not pay, the lender goes and “grabs the hard asset” and the borrower loses the asset (home).

Things to Consider When Obtaining Hard Money Loans

Are you wondering what Arizona hard money loans are and where they fit into your investment strategy? Here are the basics of these types of loans and what they can do for you as an investor.

This type of loan is an asset-based loan.  The borrower wishes to secure a loan backed by real property.  Private investors and companies are typical issuers of these loans.  Unlike banks, Arizona hard money loans can carry higher interest rates.  These interest rates are higher than a convention real estate loan because of the higher risk and the duration of the loan which is shorter than conventional real estate loans.

People using Arizona hard money loans are usually looking for funding for projects lasting from a few months to a few years.  The criteria for lending and borrower costs are similar to bridge loans. In fact, many hard money lenders specialize in bridge loans. Bridge loans are used for properties that are in transition and may not be able to qualify for traditional financing.  An example of a bridge loan is when a home buyer finds a new home they’d like to buy before their old home, which is on the market, sells.

Many hard money lenders will lend 65% to 75% of the current property value. The amount of the loan is determined by the loan to value or LTV. It is figured by the ratio of the loan amount divided by the value of the property. Arizona hard money loans are mainly used for commercial property.  These types of loans first started in the 1950s and have been growing in popularity.

Although mostly unregulated by state and federal laws, some restrictions on interest rates by states, commonly known as usury laws, prohibit hard money loans. Two of these states are Tennessee and Arkansas.

Federal Guidelines

Since the 2009 mortgage crisis and the passing of the Dodd-Frank Act, these loan programs have greatly expanded.  This is in part due to the strict regulations that were put on banks and lenders after the passing of this act. Truth in Lending and Dodd-Frank set out Federal guidelines for lenders, mortgage originators, and mortgage brokers requiring them to evaluate the borrower’s ability to repay the loan.  The ability to repay the loan is on the borrower’s primary residences. If the lender does not conduct the proper due diligence, they are faced with high fines for non-compliance.  Hard money lenders mostly lend on commercial loans or business purposes so that they can avoid non-compliance with TILA, HOEPA and Dodd-Frank guidelines.

Before any offer of financing, the lender will want to determine the LTV (loan to value).  The basis for the loan is the liquidation value of the collateral.

A BPO (Broker Price Opinion) or an independent appraisal by a licensed appraiser in the state that the property is located in, will value the property. Typical hard money loan interest rates range from 5% to 18%.  Despite these rates, investors often turn to them due to quick loan approvals, high flexibility, less documentation than conventional lenders, and offering the ability to put a bid on a property that may go quickly after hitting the market.


Just completed Hard Money Loans

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*All rights reserved. The information contained in this material is neither a promise to lend nor a guarantee. This is not a Good Faith Estimate and should not be considered as such. Costs, rates and terms can only be determined after completion of a full application. Mortgage rates could change daily. Actual payments will vary based on your individual situation and current rates. Products available in Arizona/Texas/Colorado/Nevada Only. For 5.99% APR the borrower needs a FICO > 750, LTV 55% or Less and a DSR of 1.5%. Please remember that we don't have all the client’s information. Therefore, the rate and payment results shown may not reflect your actual situation. Costs, rates and terms can only be determined after evaluating: 1. Property location, 2. Loan to Value (LTV) based on down payment or equity, 3. Credit Score (FICO), 4. Ability to repay, 5. Your capabilities/experience and 6. Site Inspection and title report. For example: A loan of $250,000 at 6% for 12 months the payment would be interest only payments of $1,250/month for 12 months, balance of $250,000 due at end of loan.  The borrower would have a FICO Credit Score of 740 and a LTV on 55%. Normally, borrowers who apply for the loans, their rate ranges from 8.5% to 13.9%. For a second position loan the rates vary from 18.9%  – 29.5%.  Closing Costs consist of the following: 1. Origination fee, documentation fee, and credit report fee, 2. Escrow fee paid to title company, 3. Title Policy paid to title company, 4. Servicing Setup fee plus monthly fee paid to loan servicing company. These are Non-Consumer, Non-Owner Occupied, Bridge Loans, Construction Spec Homes or Commercial Loans. You are not required to pay any upfront fees.  However, some programs may require you to pay for an Appraisal or BPO.  Appraisals/BPO are handled by nonaffiliated 3rd party and all fees and costs are collected by the 3rd party not by us at Level 4 Funding LLC. You are not required to complete this loan merely because you have received these disclosures or signed a loan application. If you obtain a loan, the Lender will have a mortgage/deed of trust on your property. You will lose your property, and any money you have put into it, if you do not meet your obligations of the loan. You should have sufficient cash reserves and experience to complete the project. As mortgage brokers we offer a wide variety of loan options. You may still qualify for a loan even if your situation doesn't match our assumptions. To get more accurate and personalized results, please call 623 582 4444 to talk to one of our licensed mortgage experts. Terms and conditions of this and all loan programs are subject to change without notice. Level 4 Funding LLC is licensed in the state of Arizona, NMLS 1018071 AZMB 0923961.

Tuesday, December 11, 2018

The Right Arizona Construction Loans Can Help You Work at Home

Are you interested in fixing and flipping houses but don’t have any prior experience with construction? With Arizona Construction Loans, you can let contractors do the hammer and nails and make a real income without ever having to leave the comfort of your home.

Have you always been interested in bettering your community by buying and flipping houses? Do you not have any experience with hammers and nails? No problem! You can become a house flipper even if you don’t have any experience in construction. With Arizona Construction Loans, you can have the financial support you need to have the cash to outsource projects like this. Depending on your budget constraints and financial goals, Arizona Construction Loans can even be used on a larger scale. For example, commercial businesses sometimes utilize Arizona Construction Loans in order to have the extra cash on hand to outsource the building of their projects or businesses.

With the right construction loan, you can have the cash you need to get started with a building project and have adequate funding for unexpected costs or repairs. In construction, anything can happen and sometimes unexpected problems can lead to high costs. When you choose a construction loan to help finance your project, you can have the extra cash you need to accommodate any possible scenario.

The best part about Arizona Construction Loans is that, when used strategically, they can help you start working from home! Think about it! You can start making money flipping houses from the comfort of your own home. Research and network from your laptop or phone and have the funding you need to outsource the labor of potential projects with the help of Arizona Construction Loans. With a construction loan, you can have the funding you need to finally finance your construction projects. Have the financial support to outsource labor to experts. Don’t waste time and money on low quality services when you could have the funding available to finance quality services.

No Experience, No Problem! Arizona Construction Loans Make Anyone a House Flipper

If you have always wanted to become a house flipper but don’t have any experience in construction, Arizona Hard Money Lenders are offering Arizona Construction Loans to help people just like you. The right construction loan gives you the cash you need to get started financing your construction projects and can even help fit unexpected costs in your budget. Financing through a construction loan helps you accommodate a variety of different possibilities

You do not need to have any experience as a contractor to start making huge earnings from buying and flipping houses.

Arizona Hard Money Lenders are here to help you achieve your financial goals. Ask about Arizona Construction Loans today to get started making real money in real estate through the process of buying and fixing homes while outsourcing the work.


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


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

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

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions

The Advice You Need to Hear About Rental Property Loans in Arizona

Are you wanting to turn your passion for real estate into a real career? Get started making a money as a landlord by following this helpful guide on Rental Property Loans in Arizona. Finally get the funding you need to achieve your investment goals.

There is serious money to be made with purchasing properties and renting them out to tenants. As a landlord, you can build a residual income from the rent of your tenants that you can count on every single month. Imagine the countless possibilities that would arise in your life if you had the financial freedom that came with a residual income. A residual income means that you can make money doing the things that you love and still have time to enjoy your regular activities.

If you are serious about making money in the real estate market, you definitely need to be considerate of the opportunities that come with Rental Property Loans in Arizona. The right rental property loan from a hard money lender can allow you to have the funds you need to purchase and potentially repair or upgrade a rental property. With Arizona Hard Money Lenders, you won’t have to worry about making a huge down-payment and also won’t have to worry about having a good credit score. Rental Property Loans in Arizona from a hard money lender is the perfect solution for people that are new to investing in real estate or for people who do not have a strong credit rating. With the right rental property lending option, you can start making real money as a landlord. These exciting opportunities can help build a residual income that you can count on and in some cases even lead to an early retirement. We’ve seen it happen before! Will you be next?

Rental Property Loans in Arizona are Helping People Triple Their Incomes and Retire Early

More and more people are choosing to become a landlord as a way of double and sometimes even tripling their incomes. When you are investing in rental properties, you can begin making money without ever having to think about. Every month, you will be making money through the rent that is paid by your tenants. The opportunities are endless with this type of business model and it is possible to be scaled up or down depending on your budget or financial constraints.

Becoming a landlord is one of the best choices you’ll ever make in your real estate career, so it is important to take advantage of these exciting lending opportunities before these amazing offers pass you by.

Don’t let a once in a lifetime opportunity like this just pass you by! Get started making an income you can count on with the assistance of Rental Property Loans in Arizona form Arizona Hard Money Lenders.


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

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

Residential Arizona Hard Money Lenders are Ready to Help You Retire Early

Imagine how much extra things you could do if you had the opportunity to have an early retirement. Learn how residential Arizona Hard Money Lenders are helping people make a livable income right from the comfort of home and allowing a countless number of entrepreneurs to retire early.

Getting started in real estate may seem like a daunting goal, especially if you do not have any prior experience or do not currently have a good credit score. However, you should never let a poor credit score get in the way of you achieving your goals of investing in real estate since there are multiple financing options available for people who do not have the credit required to obtain a loan from a broker working in a traditional bank setting. With Arizona Hard Money Lenders, you can have access to the financing you need to achieve your goals on the real estate market. More importantly, this can all be done without having to pay a huge down-payment or having to have a high credit score.

Now, you may be thinking back to what brought you to this article in the first place. How can residential Arizona Hard Money Lenders help everyday people retire early? With the right strategic plan, investing in the real estate market can help you build a residual income that you can count on. A residual income can be made on vacation with your family or while you are sitting on the couch in your pajamas. Have the freedom you need to do the activities you love again!

Residential Arizona Hard Money Lenders can give you the financing you need to start pursuing real estate investments and other real estate opportunities. Don’t waste time trying to build your credit or saving up for a down-payment on a property. You could instead start making money as soon as possible by pursuing Arizona Hard Money Lenders in your area. Stop making excuses for yourself and letting these issues get in-between you and your investment goals. Retiring early is at your fingertips if you take the first step and get in touch with a financial adviser about pursuing a residential hard money loan.

Residential Arizona Hard Money Lenders are Putting the Money in Your Pocket You Need to Achieve Your Goals

With a residential hard money loan, you can finally have the funding you need to pursue making huge investments in real estate without even having to have a strong credit rating. No credit? That is absolutely no problem for residential Arizona Hard Money Lenders that are eager to assist aspiring entrepreneurs just like you.

You don’t need a good credit rating or prior experience in the real estate business to get the funding you need to get started purchasing properties and making a real income.

Don’t delay in changing your future and getting a jump on retiring as soon as possible. By reaching out to a residential hard money lender, you will be on your way to make a residual income you can count on and retiring earlier than you ever would at a regular job.


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


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

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

© 2016 Level 4 Funding LLC. All Rights Reserved.
Copyright | Privacy Policy | *Terms & Conditions

Top Things to Consider When Choosing an Arizona Airbnb Loan

Did you know that you can become a landlord right from your laptop or smartphone? Airbnb is making it easier to connect tenants with potential landlords. Learn how to turn your vacation home or investment property into a valuable asset in your real estate portfolio with an Airbnb loan.

If you are interested in making a residual income as a landlord, there has never been an easier time to get started than now. With the help of apps like Airbnb, becoming a landlord and collecting rent from tenants can be as easy as accessing an app on your smartphone or laptop computer.

How do people make money with Airbnb? Whether you are renting out a vacation home, your own house while you are away on vacation, or a room in your home, Airbnb is a great tool to help you succeed. Some motivated individuals have taken this simple concept to the next level with special financing opportunities. An Arizona Airbnb Loan can help you purchase a vacation property that you can rent out throughout the year and start making a residual income.

Imagine the endless list of possibilities of activities or things you could do if you had an extra residual income every month. Receiving rent from tenants every month is a check that you can count on. With Airbnb, this process has been made even easier due to the app’s accessible interface and thriving community. The Airbnb system is making it easier than ever for landlords to be connected with potential tenants and for renters to browse property listings. If you have ever wanted to get started making money in real estate, using an Arizona Airbnb Loan is a great way to get started.

An Arizona Airbnb Loan can help cover the expenses associated with purchasing a potential rental property. In some cases, you may have to make repairs on a specific location. With an Arizona Airbnb Loan or similar financing options, you can have the cash in your pocket you need to make repairs or other improvements to a property that you’re interested in renting out.

Become a Landlord and Grow Your Income with the Right Arizona Airbnb Loan

There are many different roles that people play in the real estate industry, but becoming a landlord is one of the best ways to make a residual income every single month that you can continuously count on. You can depend on your tenants to pay you rent every month and this extra income can help go to other real estate ventures or investment goals.

As a landlord, you can depend on a monthly income from the tenants that occupy your various properties and start making a large income with endless possibilities.

Take advantage of the thriving economy of today and get started in real estate investing with an Arizona Airbnb Loan. Becoming a landlord has never been easier with the useful interface and tools available through the Airbnb system. With a residual income from Airbnb, you have the freedom to achieve your goals and dream bigger.


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