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Tuesday, January 29, 2019

Microlending: Peer-to-Peer Arizona Private Money Lenders

The peer-to-peer to peer economy is backed by popular demand. Companies like Spotify, Airbnb, eBay, Uber, and more have changed the way business are done, especially with elaborate applications, software, and websites. Will microlending change the way Arizona Private Money Lenders or conventional lenders do business in the near future? Stay tuned . . .

Microlending. A word that has incited criticism, curiosity, charity, and praise in recent years. Microlending is the concept of gathering and pooling small funds from a multitude of individual investors in order to finance commercial ventures. Though the concept of microlending, or gathering many small funds from the masses, has been around for a long time, it has recently made headway with the birth of the internet and the rise of peer-to-peer businesses.

As of late, the peer-to-peer business model has boomed. If the term is unfamiliar, think Airbnb, Uber, Lyft, Spotify, eBay. These are businesses that create an interface, application, or website that allows users to communicate directly with each other. There are no middlemen, just the site, it’s users, and communication between these parties. So, back to microlending. After the advent of peer-to-peer software and the explosion of the tech industry, microlending emerged. Fusing peer-to-peer tech with microlending allowed not just a remote area of individuals to participate in microlending, but the whole wide world.

Individuals began to gather on microlending sites. Micro Arizona Private Money Lenders and borrowers searched for one another, funding was lent and received. Microlending became attractive for the above market interest required due to risk. Also, the fact that it typically was lent to third-world countries whose currency valued less than the US dollar allowed individuals lend as low as $25, though many argue that initial investment should be more.

Potential and Foreseeable Challenges for Peer-to-Peer Arizona Private Money Lenders

Some of the challenges for peer-to-peer, Arizona Private Money Lenders include risk in lending to individuals from various regions of the world who may or may not repay. Though credit scores, credit histories, credentials, and background checks are documented on microlending sites, a lack of collateral of collateral is typically the norm. Though less money is needed to invest, there is greater risk, due to the fact that many loans are not backed by collateral. Adding to the challenges of microlending, recently institutional lenders have made their way into peer-to-peer lending. This has increased competition—Goldman Sachs versus the world of micro Arizona Private Money Lenders.

Are micro Arizona Private Money Lenders the future of the finance industry? Only time can tell.

Despite these challenges some micro Arizona Private Money Lenders who spread the risks of their profiles and find consistent investment amounts report a possible average return of 7% interest. Others view that institutional intervention is a testament of the profitability of microlending. As many continue to watch the microlending market, waiting is the only option, for only time will tell what this niche of financing has in store. Opportunity, stagnation, or demise.

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.

Monday, January 28, 2019

6 Reasons Why You Should Use Arizona Hard Money Lenders

Banks are not always the answer. Sometimes, other financial resources can be a godsent. Arizona Hard Money Lenders are here to help you secure the lending source you need to complete the goals and investments that are important to you.

Hard money is money pooled together by private investors or groups of investors. These private investors lend money out at an interest rate securing comfortable returns. Once pooled, hard money is lent out in two ways: either directly from private lender to borrower, or through an intermediary known as a hard money broker, who gathers and loans out the funds of Arizona Private Money Lenders. Typical hard money borrowers include: new real estate investors unable to secure conventional lending; investors with poor credit or little cash down; investors falling short of income stipulations or possessing limited work history; investors dealing with multiple mortgages; investors purchasing distressed property within a short period of time; and investors renting and renovating.

Hard money has many attractive benefits to these and many other types of borrowers. First, there is more opportunity to participate in more deals: Sometimes, getting a foot into the real estate investment business is tough. When conventional lending shuns new investors, other financial means are needed. Arizona Hard Money Lenders offer borrowers a chance when banks say no. Furthermore, hard money offers experienced investors creative solutions such as financing multiple properties, refinancing exciting properties, or renovating older properties. Second, it is easier to get financed. Do towers of paperwork delineating obscure legal stipulations scare you? If so, good news, Arizona Hard Money Lenders have less paperwork the banks.

Third, Fast approvals. Some real estate investors don’t have the luxury of waiting months for conventional lenders to give the green light. Wholesalers, flippers, and renovators vying for limited distressed properties may need money fast to scoop up properties at auction. Sometimes, the answer is hard money. Arizona Hard Money Lenders can secure in days what conventional lenders can secure in months. Though hard money may have higher interest rate, they present opportunity and allows for acquisitions and returns.

Arizona Hard Money Lenders Help You Secure a Loan that Fits Your Needs.

Forth, you can negotiate a payment plan. Do banks make you feel like an insignificant minnow in a sea of paper? Do you miss the old days when you could talk to people face to face? Great. Arizona Hard Money Lenders are personable and able to set a financing plan in motion that suits your needs. Fifth, no prepayment fees. If you pay off your loan too soon, there is no problem at all.

If Arizona Hard Money Lenders are the financial lending source you are looking for, contact your hard money broker at Level 4 Funding today. Secure the cash you need to further the investments that matter to you.

Sixth, you can get approved with bad credit. Arizona Hard Money Lenders are not so much as focused with credit worthiness as are conventional lenders. Instead, they are interested in loan-to-value, equity, property value, and after repair value. These factors give Arizona Hard Money Lenders an indicator of risk and security. This great news for individuals whose credit has been ransacked after a divorce, destroyed after a bankruptcy, or marred by past delinquencies.

Residential versus Arizona Commercial Real Estate Loans

While home loans are intended to help buyers settle into residential properties and have long-term durations of usually 30 years, Arizona Commercial Real Estate Loans differ with a duration of 3 to 60 months

Residential or home loans are amortized loans, or loans with scheduled payment periods comprised of principal and interest. Principle, interest, and term are calculated to arrive at the scheduled payment amount. Towards the beginning of an amortized loan, a greater portion of scheduled payments goes towards paying off interest. As more payments are made and the interest portion of the loan decreases, gradually, more of the principle is payed off until the amortized loan, both principle and interest, is payed in full.

There are two main types of amortized loans: fixed and variable interest rate loans. First, fixed rate loans have set interest rates throughout the loan’s entire duration. Market fluctuation or economic changes do not influence this rate. It is fixed, set, locked. Fixed rates are favorable when interest rates are at a low and buyer credit is in good standing. Locking the interest rate for a long duration of time at a favorably low interest rate is beneficial for the borrower, especially when interest could possibly rise. Second, variable rate loans have interest rates that fluctuate with the market and federal rates. They benefit individuals with poorer credit or who are not looking to stay in a home for an extended period of time. After choosing between fixed and variable types, the option of conventional or government-insured loans exists. Opposed to conventional lending, FHA, VA, and USDA loans are all government insured loans that offer different financing options to first time buyers, veterans, or individuals in rural areas.

While home loans are intended to help buyers settle into residential properties and have long-term durations of usually 30 years, Arizona Commercial Real Estate Loans differ with a duration of 3 to 60 months. Arizona Commercial Real Estate Loans have shorter terms than residential loans but longer amortization rates. This allows the commercial borrower to make lower payments throughout the loan’s duration, payments based on say a 30-year amortization period, and then pay the lump sum of the loan at the end of the term. Longer amortization periods are beneficial because they allow commercial entities to maintain cash flow.

Fuel Success with Arizona Commercial Real Estate Loans

Finally, LTV. Residential loans typically have lower LTV rates than Arizona Commercial Real Estate Loans. Though residential loans can have an LTV in the 80%-90% range, Arizona Commercial Real Estate Loans may have an LTV rate of 40%-90% depending on the borrower, stipulation, property, and lender. In conclusion, Arizona Commercial Real Estate Loans may have smaller terms, longer amortization rates, lower LTV, and higher interest than a typical residential loan.

Arizona Commercial Real Estate Loans are there when you need them at Level 4 Funding

If commercial lending is right for you talk to your broker at Level 4 Funding. Financing for Arizona Commercial Real Estate Loans are fast, competitive, and effective. Funding up to $50,000,000 available to qualifying borrowers.

Conventional Versus Hard Money Arizona Commercial Real Estate Loans

When it comes to commercial lending, conventional and private lending reign. But which to choose? Weigh the pros and the cons of each to find the ideal financing situation for your business’ needs. Discover the Arizona Commercial Real Estate Loans that are right for your company.

Commercial real estate is property intended to generate income for a business, opposed to residential usage. Most often, commercial real estate is obtained through a finance source known as Arizona Commercial Real Estate Loans. Through Arizona Commercial Real Estate Loans, acquisition, renovation, and construction of commercial property is made possible as a means of establishing short or long-term returns.

Arizona Commercial Real Estate Loans are not residential loans. Where residential real estate loans are intended to purchase a home for individuals, commercial lending is solely intended for entities who acquire real estate to secure returns. Contrasting a thirty-year residential loan, commercial loans have a duration of 3 to 60 months.

Both independent and conventional lending sources fund Arizona Commercial Real Estate Loans. In part, conventional lending institutions grant loans based on a business’ credit history. Should the latter be too short or nonexistent, then credit worthiness is established by analyzing the credit scores of a business’ owners. After establishing credit worthiness, several other risk-contributing factors are assessed: a suitable period of finance records, tax returns, loan-to-value assessments, debts, etc. With suitable credit, finance, history, and collateral established, conventional loans are an option. For some businesses meeting the previous credentials, The SBA U.S. Small Business Administration offers favorable lending scenarios with mitigated risk and less cash down to those exhibiting a high credit score, satisfactory financial standing, and enough collateral.

Try Hard Money Arizona Commercial Real Estate Loans

If not, there is no need to worry. If conventional lending is not an option, hard money Arizona Commercial Real Estate Loans are available and have helped many businesses get the start that they need. Hard money commercial real estate lending provides the financing for real estate projects such as multi-family units, warehouses, industrial properties, and office facilities. It is fast, competitive, and effective. Hard money commercial lending avoids the hoops and red tape associated with conventional lending. Where months of credit analysis, stipulations, and federal mandates hedge up the funding process, commercial hard money loans can be secured within shorter, more favorable time frames.

Fund your next development with Arizona Commercial Real Estate Loans—Talk to your hard money broker at Level 4 Funding today.

If you are struggling establishing the financing you need, or if you need to establish financing quickly for your upcoming development, talk to your hard money broker at Level 4 Funding, here to help you secure the financing your business needs. Loans for up to 90% LTV and $50,000,000 available to qualifying borrowers.

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.

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