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Monday, January 28, 2019

Yes, You Can: Secure Conventional Lending Through An Arizona Bridge Loan

Life happens. Unforeseeable business demands, events, or market opportunities materialize out of nowhere. Action may be needed, and quick. An Arizona Bridge Loan is here to save the day. Right now, you have the power to secure the cash flow, to acquire the assets you need. Get financed through the banks later, act now.

An Arizona Bridge Loan helps individuals, developers, businesses, investors, and buyers receive funds in order to secure desirable property for investment or residential purposes, needed equipment for commercial expansion, or sufficient materials to renovate. This type of loan is temporary, lasting generally anywhere from three to twelve months. An Arizona Bridge Loan is not a means of long-term financing, but rather a means of providing needed and short-term cash flow to complete a financial objective or acquire an asset until conventional lending is made available at a lower rate. Hence, the word bridge indicates an intermediary period between hard money and conventional lending.

Though possessing innately higher interest rates, the benefits of An Arizona Bridge Loan are speed, accessibility, and reliability. Since An Arizona Bridge Loan is made available through hard money brokers or lenders, the process of acquiring a hard money bridge loan is much shorter than the months needed to secure a conventional loan. This speed is due to the fact that a hard money bridge loan is backed by collateral, usually real estate. An Arizona Bridge Loan is accessible via hard money brokers who able to secure the rates and terms in a reliable and comfortable time frame.

Conventional lenders may offer the lowest available rates, but they are slow, very slow. Conventional lenders are the optimal long-term method of financing, which is great. However, it is not always a simple process jumping into a long-term conventional loan. Credit analyses, screenings, federal regulations, and hordes of stipulations stand guard. Sometimes, the months needed to secure this kind of financing are not available. Unforeseeable business demands, life events, or market opportunities materialize out of nowhere. Action may be needed, and quick. Right now, you have the power to secure the cash flow to acquire the assets you need. Get financed through the banks later.

5 Common Bridge Loan Scenarios

1. Businesses needing to buy real estate or purchase equipment quickly and at a high interest rate until they can secure low interest financing through conventional lenders.

2. Individuals seeking to purchase and move into a new home before their original home sells. In this case, the equity of the original home is used as collateral to acquire a hard money bridge loan to secure the newer home.

3. Developers who need a loan to continue construction while preparing to meet long-term financing stipulations.

4. Investors needing the funds to secure, purchase, and renovate real estate.

5. Buyers needing quick money to purchase an ideal piece of real estate.

Talk to your hard money broker at Level 4 Funding and secure An Arizona Bridge Loan today!

Should any of these categories describe your current financing needs, talk to your broker at Level 4 Funding today. Take hold of the commercial or residential assets you need with a hard money bridge loan.

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.

Sunday, January 27, 2019

6 Reasons Why You Should Get An Arizona Bridge Loan

Conventional lending may be the GOLIATH of loans. While secure, grandiose, and abundant in low rates, it is also SLOW. Don’t let the banks stop you. Get the financing you need, FAST, with An Arizona Bridge Loan through Level 4 Funding.

When conventional lenders say “no,” An Arizona Bridge Loan meets temporary financing needs, provides needed capital, and sets plans into motion. “No” does not mean no, it means “not yet.” Don’t let the banks and their tedious stipulations bully you. Apply today and see if you qualify for An Arizona Bridge Loan through your hard money broker at Level 4 Funding.

The reasons for acquiring An Arizona Bridge Loan are legion:

1. Move into new home before selling the old one: Many times, for those interested in residential property, selling and buying homes can be a difficult process. Selling a home, especially, can be a long, tedious, and cash consuming process. An Arizona Bridge Loan eases this, allotting individuals the financial support they need to purchase and move into the new home of their choice before their old home even sells.

2. Refinancing: Tired? Over encumbered? Overburdened by too many loans. Escape the riptide of financial burden. Refinance, consolidate, and build credit.

3. Remodel or refurbish: Is your property looking a little shabby? Increase the value of your property by refurbishing. Bridge loans have helped borrowers improve the value of their homes.

4. Use asset to buy new assets: No cash down? No problem. Use assets to acquire more assets.

5. Acquire real estate: Conventional lending may be the GOLIATH of loans. While secure, grandiose, and abundant in low rates, it is also slow. However, in real estate investment, fast is often needed. The nimble and quick-witted reap the benefits of distressed, wholesale, short-sale, and foreclosed properties. Where banking takes months to finance, a hard money bridge loan secures acquisitions, investments, profits—fast.

6. Finance initial construction: So, you want a loan on a lot of land. Too bad, the bank says no. The bank does not like lending on lots. No worries. You happen to know a hard money broker at Level 4 Funding. You can get the financial backing you need to acquire a lot of land and perhaps even the funding to finance all or a needed portion of your building ventures.

Don’t Except “No” for an Answer from the Banks: You Can Get An Arizona Bridge Loan

If you fall into any of these categories and are interested in An Arizona Bridge Loan, get a quote today at Level 4 Funding. Find the financing you need until conventional lending comes around.

Get An Arizona Bridge Loan today through Level 4 Funding

Though rates and terms vary per borrower, these are the general range of potential stipulations to be expected: Up to 90% LTV may be available. Typically, An Arizona Bridge Loan will span a term of 3 to 24 months. Bridge loans are interest only loans. Minimum rate of 7.99% APR

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.

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.