Beretta Only

Sunday, January 27, 2019

Start a Successful Company with Arizona Cannabis Business Loans

Progressive reforms in the United States are gradually making the legal cannabis industry a more viable investment. The hesitation of conventional lenders and larger distributors to invest or fund cannabis operations is creating a positive situation for smaller, commercial investors looking to enter the cannabis industry and meet the ever-growing demand. Where conventional lenders reject commercial cannabis investors, Arizona Hard Money Lenders offer solutions in the form of Arizona Cannabis Business Loans.

Cannabis reigns in the States. The 2017, US cannabis market reached $8.5 billion in worth, 90% of the world market. The current and future projections of the legal cannabis industry remain enticing to both consumers and investors with predictions suggesting that the US cannabis market will continue to grow reaching $24.1 billion by 2025. No small chunk of change.

As a main contributor to such growth, legislation trends over the past thirty years in the US have resulted in regional approval of medicinal, recreational, and commercial use of marijuana. Furthermore, with a growth in regional approval, a reduction or removal of criminal charges, and an overall growth in public interest in cannabis related products, the demand for legal cannabis continues to rise. For instance, many consumers are transitioning from illicit to legal use of marijuana avoiding legal confrontation and transferring money that would traditionally have gone into the pockets of criminal organizations instead to local businesses, communities, and state funds. Others seeking the medicinal and therapeutic benefits of cannabis or seeking to satiate curiosity after seeing advertisements or hearing of others who have tried cannabis in their community also increase the overall demand for cannabis.

More consumption can mean more money. Huge market leaps and mass consumption of legal cannabis is a favorable omen for some investors. Typical investments in the cannabis may include: agricultural, clinical, mechanical devices, or commercial real estate.

Successful Niches: Arizona Cannabis Business Loans Help the Little Guy

While certain legal limitations still exist in the United States, ironically opportunity is present for small commercial outfits eager to meet the growing demand for legal cannabis. Currently, federal limitation decreasing the willingness of conventional lenders and larger distributors to invest or fund cannabis operations has created a positive situation for smaller, commercial investors looking to enter the cannabis industry and meet the ever-growing demand. Where fewer individuals are able to enter the commercial cannabis business, others are making a niche for themselves, especially by using hard money Arizona Cannabis Business Loans.

Level 4 Funding is here to help you with Arizona Cannabis Business Loans that fit your commercial needs.

If the big banks say “no,” don’t worry about it. Hard money Arizona Cannabis Business Loans allow individuals to get a business up and running with interest rates as low as 7.99%. Where other investors are hesitant to take advantage of the commercial cannabis industry, opportunity is on the horizon. Talk to your hard money broker today at Level 4 Funding for the Arizona Cannabis Business Loans that are right for you.

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

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.

Take Advantage of Market Demand with Arizona Cannabis Business Loans

Arizona Cannabis Business Loans help many meet the growing demand for legal marijuana in the United States.

“Come senators, congressmen, please heed the call.

Don't stand in the doorway, don't block up the hall.”

—Bob Dylan

Change. The DEA, federal mandate, seizure of property, and legal seesaw determining states’ rights. At the epicenter of public, regional, and national debate, marijuana has slowly ameliorated, slowly gained greater public acceptance. Today, particularly in the US, ten states now have legalized recreational use and licensed commercial distribution of marijuana: Alaska, Nevada, California, Colorado, Maine, Massachusetts, Michigan, Oregon, Vermont, and Washington. Not to mention on top of this, 13 states have decriminalized marijuana, including the District of Columbia and other territories.

Marijuana has come a long way in a short amount of time. In the US, most prohibition began at the beginning of the 20th century. By 1937, the Marijuana Tax Act passed, federally prohibiting the use of marijuana, not necessarily medicinal use. Next, 1970 brought along the Controlled Substances Act federally prohibiting any use of marijuana, be it recreational or medicinal.

However, from the mid-1970s to 1990, laws pertaining to marijuana began to change and for the most part lessen on the state level with ten states decriminalizing cannabis: Alaska, California, Colorado, Maine, Minnesota, New York, North Carolina, Ohio, Oregon, and Nebraska. After the decriminalization of marijuana in many states, the years 1996 to 2012 brought about the beginning of the age of medical marijuana with thirteen states approving medicinal cannabis. It didn’t end there. As stated above, ten states approved not only medicinal but recreational marijuana from 2012 up until now, 2018. Though gradual, the change has been consistent from the beginning of the 1900s. The legal trends as of present have tended to favor laws upholding recreational, commercial, and medicinal use of marijuana. This legal trend does not seem to be letting up in the near future. Though marijuana has emerged from a prohibitory period, such as alcohol, the future is seemingly green.

Dreams Come True with Arizona Cannabis Business Loans

With an ever more favorable legal scenario and a more positive public reception, the amount of legal cannabis consumers is on the rise, and with a demand of consumers comes a greater need to supply services, facilities, and products related to cannabis and its projected multibillion-dollar-market worth—in the US alone. Many individuals are familiar with cannabis, its medicinal usage, or its favorable extracts and are interested in starting cannabis business. However, they lack proper funding since conventional lenders tend to shy away from cannabis or other business loans. Despite these setbacks, hard money Arizona Cannabis Business Loans have become a viable solution.

Level 4 Funding is here to support your ventures with Arizona Cannabis Business Loans. Talk to a hard money broker today!

Today, hard money Arizona Cannabis Business Loans are available and have helped many meet the growing demand for legal marijuana in the United States. Hard money brokers are here to find the rates and terms to help individuals qualify. Starting rates as low as 7.99% for qualifying borrowers. Cut through the red tape and get started today with Arizona Cannabis Business Loans.

How to Get 100 LTV Commercial Real Estate Financing

Is there such a thing as 100 LTV commercial real estate financing? Not exactly, but there are workarounds to get there. Here's how.

For the uninitiated, loan-to-value (LTV) means the amount of the loan compared to the value of the property you're buying. Let's say the property you want to buy is valued at $100,000 and you get a loan for $87,000. That's a LTV ratio of 87 percent. Some accredited private lenders will do a loan-to-value ratio of up to 90 percent in certain commercial cases, but 100 percent LTV really isn't done in the industry.

That' doesn't mean it's not possible, but you may have to get a little creative. Here are a few ways to get 100 LTV commercial real estate financing:

Partner with someone who has cash. This could be a family member or another investor who's willing to get into the game with you. He or she can help with the renovation budget or a down payment in exchange for back end money.
Use a bridge loan for a part of the down payment. Using commercial real estate seller financing is one option as many hard money commercial lenders will do this. However, most will still require you to come up with around 10 percent out of pocket.
Find more than one partner. Some commercial real estate developers use shareholders of members of an LLC to raise the money they need.
Use capital stacking. That means using a combination of any of these methods. That could mean using equity partners, debt financing, and seller financing in conjunction to get to your 100 percent.

What About 100% for Rehab Costs?

While you may not be able to get 100 LTV for purchasing a commercial property, you may be able to get 100 percent of your rehab costs by going the hard money route. Hard money comes from private investors, so there's more wiggle room when it comes to qualification and loan terms. For instance, by having a good plan, a good budget, and solid collateral, you may be able to get up to 90 percent LTV on the purchase, 85 percent on as-is value, and 100 percent of rehab costs.

Getting Commercial Financing in Arizona

Whether it's your first commercial project or your 10th, if you can dream it, you can find a way to get the financing for it. You may have to get creative to get 100 LTV commercial real estate financing, but don't give up. If you need help figuring everything out, give us a call today. We offer an ultra-fast approval process, funding in days, no prepayment penalties, and the best rates in the business.

Saturday, January 26, 2019

How to Increase Your Chances of Getting Arizona Spec Home Financing

Loans for spec houses are a tiny percentage of loan market, so they can be confusing for would-be borrowers. Here's how they work and how to increase your chances of getting approved for one.

A spec loan is loan for the construction of a "speculative" home. In other words, it's a home for which the builder has no buyer. If you're thinking of building a spec home and you don't have millions of dollars at your disposal, you'll want to apply for Arizona Spec Home Financing. Let's look at what you'll need to get started and how you can boost your approval chances:

● Go for an improved lot. Spec loans are risky but you can reduce your risk by opting for an improved lot. Improved land — as opposed to raw land — already has roads, sewer lines, electric wiring, and usually a proximity to recognized urban spaces. This makes the construction significantly faster and easier, which in turn makes the loan less risky.

● Think about speed. If this is one of your first spec homes, choose a plan that you can knock out quickly. A shorter construction schedule will keep budgets lower and offer less chance for major hiccups. To a spec home lender, this makes the loan less risky.

● Secure the loan with the lot. If you're worried about getting approved, one option is to offer the lender equity in the lot as a down payment.

● Spec loans are nicknamed "story loans." There's no buyer, so the builder and lender have to use their imagination to envision the final product and its viability in the market. To frame the loan as an opportunity and not a risk, you can tell a "story" — where you got the idea, what you want to do with it, and where you see it ending up down the road.

Documents You Need for Arizona Spec Home Financing

What do you need to have on hand to qualify for Arizona Spec Home Financing? It's a lot less than you might think. Much of it is documents you'll already have for your project. Namely, detailed budgets, precise plans for the property, and all the requisite permits for building in the area.

Start Your Spec Home Adventure Today

Once you've got your plan together, getting funding is the key to finally breaking ground. Here at Level4Funding, we offer Arizona Spec Home Financing for up to 24 months, customizable draw programs, loan-to-value ratios of up to 90 percent, and rates starting at just 9.5 percent. Speak with us today to see how we can partner on your spec home.

The Differences Between Arizona Rental Property Loans and Home Loans

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

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

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

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

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

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

Alternatives to Arizona Rental Property Loans from the Bank

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

Hard Money Arizona Rental Property Loans in Arizona

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

Why Arizona Private Money Lenders Can Be a Better Option Than the Bank

Many real estate investors go directly to the bank to get their financing because that's the accepted route. But in some cases, a loan from a Arizona Private Money Lenders may be a better option.

How do you know when you should go to the bank and when you should look for private investors? To determine this, let's look at some of the ins and outs of both loans:

● A bank loan will require an in-depth rummaging through your financial history, a bright, shiny credit score, and a pretty sizable down payment. You'll probably be rejected if you've had a previous blemish on your financial track record, a credit score below 700, and an income that doesn't match their threshold.

● A private money loan is secured using collateral, so your history, income, and credit score play a much smaller role. If the collateral property — whether it's a currently owned property or one you're purchasing — passes the sniff test, you can get approved.

● Bank loans can take up to a couple months to go through the approval and granting process.

● Private loans can be in your account in a matter of weeks. The approval process is quick and the funds don't have to go through all sorts of red tape.

● Bank loans come from giant conglomerates that may or may not have a vested interest in your success.

● Private money loans use funds from individuals who hitch their wagon to your plans. Your success is their success.

Is a Arizona Private Money Lender the Right Option for You?

Now that you know some of the differences between Arizona Private Money Lenders and the bank, you'll have a better idea if it's the right move for you. If you've got amazing credit, a spotless history, and plenty of dough to plunk down on a property, the banks may be your best option. Conversely, if you need to move quickly on your investment opportunity or you've been turned down by the big financial institutions, going the private route may be the better option.

Finding an Arizona Private Money Lender in Arizona

Hard Money Loans in Arizona do come with much shorter terms and higher interest rates and that can feel scary at first blush. However, for the right situation, this arrangement can be a win-win for both the real estate dreamer and the Arizona Private Money Lenders.