Monday, August 26, 2019

Why Savvy Millennials are Turning to Hard Money Lenders

Millennials have struggles prior generations didn’t. However, many are now making their dreams come true with the help of Arizona hard money lenders anyway.

Millennials often get a bad rap for their tendency to stay at home with their parents longer than prior generations have, plus this is the same generation that popularized ridesharing and home-sharing. Necessity is the mother of invention and, undeniably, has caused people in this age group to adapt in ways their parents and grandparents didn’t.

Research from Business Insider indicates that wages are up 67% since 1970, which sounds great until you realize that rent costs have risen nearly 100% in the same time period and tuition at public colleges have jumped more than 200% since 1982. Not surprisingly, the credit bureau Experian now reports millennials have more than $80,000 in debt on average. A staggering amount of this is student loan debts, but credit card debt accounts for a large portion of it too. Credit scores are suffering as well, with the average millennial only managing to obtain a “Fair” FICO score, sitting a significant number of points behind national averages for all age groups. This makes it hard to cover daily living expenses and get loans, which makes it all but impossible to get ahead.

These are some big challenges which have caused younger Americans to delay milestones such as homeownership and starting a family. It has also led to a rise in sharing apps, like Uber and Airbnb. The savviest millennials, however, are eschewing the norms altogether though. They’re working with Arizona hard money lenders in a number of areas to improve their lives today and get a head start on growing their long-term wealth.

Side Hustles Funded by Alternative Lending Give Millennials a Helping Hand

One of the key components for millennials who get ahead in today’s economy is having a side hustle, which can often be financed by hard money lenders. The ideal side hustle can be carried out without quitting one’s day job and involves skills which coincide with skills the individual already has. Current trends include house flipping and home rehabs, running an Airbnb or other vacation home, and starting up grow operations.

A broker can help you even if you’ve got rotten credit!

Banks turn people down when they’ve got bad credit or are getting into certain types of businesses, but Arizona hard money lenders don’t. Instead, they look at the overall business plan, it’s potential profitability, the risk involved, and the skill of the entrepreneur. This makes it easy to get approval even if you haven’t been in business long, are struggling with student loan debt, or have rotten credit. If you’ve got a great idea for a side hustle, but can’t find the funding you need to get it off the ground, speak with a broker who specializes in alternative lending and can match you with a private individual who has the cash to help you get started, knows the industry you’re getting into, and wants to help you succeed.

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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.



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

Monday, July 29, 2019

Top 11 Takeaways from a Chat with a Level 4 Investor

Top 11 Takeaways from a Chat with a Level 4 Investor

Ever wonder what it’s like to be an investor with Level 4 Funding? Or, maybe you’re an entrepreneur who’s curious to know what the person financing your deal is really like and what he or she is looking for. John Evans, a current investor and former flipper, was kind enough to let us pick his brain, and he shared some candid details with us us, including what goes on behind the scenes and tips for success.

John’s Tapped into the Market, Even When Off the Grid

When we caught up with John, he was at a remote campsite with limited cell phone access. This is his life these days—going where he pleases when he pleases—and without worry of the daily grind. Of course, it wasn’t always this way. A series of savvy decisions brought him to where he is today.   Read More………

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:  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.
© 2019 Level 4 Funding LLC. All Rights Reserved.

Copyright | Privacy Policy | *Terms & Conditions

Tuesday, July 9, 2019

Are you ready for the next Real Estate Crash–Get Ready Now.

Holy Cow Here We Go Again
Hold On To Your Wallet
Get Ready For The Next Crash

Has anyone ever told you that Real Estate is on a 7 year cycle? That every 7 years values change direction and we are heading into a crash or a boom.

I've graphed real estate prices for the southwest over the past 15 years. (see attached graph) and to my surprise it has been 7 years from the bottom.   For Phoenix, the bottom was officially 3/1/12.  So it's been roughly a little over 7 year. Since the peak in 2006 is been around 12.84 years.  Read More

I’m getting out while the getting is good.  Read More
All real estate holdings are being sold. Why? Read More


Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
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

Tuesday, June 25, 2019

Get Ready For The Real Estate Crash Of A Lifetime

Holy Cow Here We Go Again
Hold On To Your Wallet
Get Ready For The Next Crash

Has anyone ever told you that Real Estate is on a 7 year cycle? That every 7 years values change direction and we are heading into a crash or a boom.

I've graphed real estate prices for the southwest over the past 15 years. (see attached graph) and to my surprise it has been 7 years from the bottom.   For Phoenix, the bottom was officially 3/1/12.  So it's been roughly a little over 7 year. Since the peak in 2006 is been around 12.84 years.  Read More

I’m getting out while the getting is good.  Read More
All real estate holdings are being sold. Why? Read More


Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
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

Wednesday, April 17, 2019

How to Pay Less to Arizona Private Money Lenders for Their Cash

Obviously, it’s important to develop a good relationship with any Arizona Private Money Lenders you work with, but you also want to keep your fees as low as possible too. Use these tried-and-true methods to reduce your costs when you go for your next loan.

Before getting into how to reduce fees, it’s important to understand what types of fees Arizona Private Money Lenders charge. To begin with, each loan will have an interest rate and points. The interest rate is straightforward. You’ll pay a percentage of the loan to borrow the cash, just as you would with any other loan. However, in this case, you’ll probably make interest-only payments until the term ends, and then you’ll pay the principal.

In addition to this, you’ll also see points, which are common with this form of lending and also with traditional mortgages. These are sometimes called “up front points” because you pay them with your closing costs. Each point is equal to 1% of your loan. Generally speaking, the riskier it is for an investor to finance you, the more points your loan will have. However, other things may come into play too, like what region you’re operating in and how much competition there is for the investor.

After points and interest, additional fees will vary based upon the investor. Although not all will charge these fees, a few common ones include an underwriting fee, processing fee, and doc prep fee. You may see referral fees and loan servicing fees as well.

You’ll want to watch for fees which could emerge later in the deal too. For example, it’s common to see late fees, foreclosure fees, and renewal fees listed on the paperwork. Although you may never have to pay these fees, provided you make your payments on time and can pay off the balance of the loan before the term is up, it’s a good idea to be aware of what you could be charged should issues arise.

When You Create a Win-Win Solution, Your Fees Will Be Less

One of the biggest things you can do to keep your costs low is to reduce risk for your Arizona Private Money Lenders. Bear in mind, this is an industry that’s not particularly concerned with your credit, but with how solid the deal, itself, looks. Than means keeping the loan-to-value (LTV) low. You can do this by putting more of your own money into the project or by finding a screaming deal on a property. There’s also reduced risk when financing people who are experienced in the biz. If you’re a flipper, expect to pay more the first few times or bring someone who has several successful flips on board. The same is true if you’re in construction, doing fix-and-holds, or are in virtually any industry.

Talk with a few companies, so you’ll know the real deal when you see it.

On a final note, some companies simply price themselves more competitively. Gather rates from a couple different companies and be sure to ask which fees are part of their packages. That way, you can compare apples to apples—you won’t think you’re paying lower rates just because the interest is lower or there are fewer points, but can tally up the whole cost to borrow money. From there, it’ll be easier to identify which Arizona Private Money Lenders have the best rates overall, so you can keep more money in your pockets.




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

Tuesday, April 16, 2019

How to Get Financing for Cannabis Marijuana Business Loans

The number of borrowers searching for Cannabis marijuana business loans is at an all the high. Understand the market and your options before stepping into this slightly perilous, though very lucrative, market.

If you are a startup business, adequate financing is a requirement to succeed in your target market. If you are a liquor store or restaurant, you may seek financing from a traditional bank or credit union. However, if you are venturing into a marijuana related business and the ambiguous legal status of the marijuana federally, banks have been prohibited to open accounts for these types of businesses. Do not get discouraged, some traditional banks have started offering merchant services and lines of credit and even some Cannabis marijuana business loans. To fill this gap, Arizona Hard Money Lenders have swooped in to offer their lending services.

The Federal Deposit Insurance Corporation (FDIC), a federal agency that guarantees banking institutions, will not insure banks that are providing Cannabis marijuana business loans. Banks would rather avoid making loans to a marijuana business since they view it as aiding and abetting activities that are felonies under Federal Law. Traditional banking institutions accepting deposits from marijuana businesses could be looked at as money laundering. The Department of Justice has decided not to prosecute banks, but if political winds change, as they are prone to do, the banks that have opted to allocate funds for these types of businesses could be in serious trouble.

To fill the space that is left behind by traditional banks that are not willing to provide Cannabis loans, private investors have moved in. Some of these include venture capital and private equity, angel investors, high interest loans provided by private investors, and marijuana consulting firms that offer loans through private funds they manage. And, of course, Arizona Hard Money Lenders. Some of the requirements for private equity firms to offer financing are: be incorporated, have a checking account in the business name, be in the marijuana business as a dispensary or grower for at least six months, monthly gross of at least $10,000, and have a personal credit score of 500. There are a number of public companies that acquire and invest primarily in medical marijuana ventures. A company may take a significant ownership stake (equity) in exchange for funding. The company, after the investment, still maintains operational control. Canada has just approved legislation making all marijuana legal.

Merchant Service

Marijuana businesses need a way to deposit money and write checks to pay bills, pay employees, and distribute profits to partners. If you want to use a traditional bank, you may not want to fully advise the bank what type of business you are in. Of course, do not cover up the type of business by making the banker think you are in some sort of different business as this is bank fraud and you do not need the headache.

Marijuana business financing is difficult, but the rewards are huge. The laws are constantly changing, making it beneficial to contact an attorney to learn the latest laws and any new revisions that have occurred.

At Level 4 Funding, we offer rates as low as 7.99%. We work with hundreds of direct hard money private lenders, some of which specialize in the Cannabis business field. No credit required and no surprise front or junk fees added to the loan. Call us for a no-obligation quote.


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 3 Ways to Boost Your Eligibility for Arizona Spec Home Financing

Arizona Spec Home Financing is back in a big way, but not everyone who applies for a loan will qualify. Make your application stand out from the pack by addressing a few often-overlooked issues.

1. Have a builder with experience and a good reputation on your team. People move into spec homes from all walks of life. Some are coming from the fix-and-flip biz while others are relying on their natural skill or come from some kind of construction or repair-related background. This kind of experience does matter and will help you have a more successful outcome, but it’s not enough to get a loan. If you, personally, do not hold a contractor’s license and do not have previous projects which demonstrate your success, you aren’t going to get Arizona Spec Home Financing. Find someone to partner with on your first few projects who already has a good reputation in the industry and you’ll get more approvals.

2. Bring an appraiser on board early. It may sound strange to have a house that hasn’t even been built yet appraised, but you can get an estimated value based on your plans and similar homes in the area. An awesome appraiser can also give you tips and ideas before you build, so that you can pivot your plans to collect more cash if anything has been overlooked. Most lenders will want to see the appraisal too.

3. Be prepared to put some skin in the game. The amount of your down payment will vary based upon the lender, but most builders have to put 20-25% down.

Show Lenders You’re the Real Deal with a Detailed Plan

You’ll need to be well beyond the idea stage when you approach lenders for Arizona Spec Home Financing. It may sound like you’re putting the cart before the horse—how can you plan if you don’t know how much you can get? That’s not true when it comes to applying for loans. Your investors will want to know how you plan to spend the money, what your timeline is, and what will be going into the finished project. Be prepared with floorplans, a full materials list, and other items which showcase your budget and the scope of your plans.

If you can plan it, you can successfully fund it.

There are many forms of Arizona Spec Home Financing, though chances are you’ll be looking for Arizona Hard Money Loans for this. In these cases, you’ll need to purchase the land to build on and can then use that as your collateral for the building portion. Lenders may also allow you to use other assets as collateral. For example, if you’ve got investment properties already, you may be able to use one or more of them. Knowing which asset you’ll be leveraging can also help you identify how much money you’ll have to spend before planning. Try to keep your costs to no more than 70% of the asset you’re leveraging. Yes, you may be able to get as much as 85%, but not all lenders will go this high, so it’s important to start off with conservative estimates and go from there. The same mentality will help you immensely throughout the whole approval process.




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