Tuesday, January 21, 2020

How Long Can Hard Money Loans Help You?

Hard money loans are used for many purposes and come with a variety of financing terms. Depending on who you partner with, you could have months or years to repay the balance in full.

Before getting into how long you have to repay Arizona hard money loans (HMLs), it’s important to distinguish what makes them different from other lending options. People tend to gravitate toward this form of alternative funding when bank options just won’t cut it. For example, if a business needs to buy equipment, but the owner has rotten credit and the business hasn’t established credit yet, he might turn to an HML. People who work in real estate investing use them a lot too. They’re helpful because they close faster than traditional mortgages, so an investor can grab a good deal before someone else does. Banks recoil at the thought of financing homes that are in severe disrepair as well, so someone in fix-and-flips might use an HML while he fixes up the property. Someone purchasing a fix-and-hold, like a vacant apartment complex in disrepair, might use an HML during the repairs, then refinance under traditional terms with a bank after; once the bank is no longer put off by the condition of the property.

Most of the time, the money for these projects comes from private investors, or individual people who have done well enough for themselves that they’re able to finance the projects other people do. That means the requirements to qualify and the terms offered will be a little different depending on who is doing the financing. You’ll also find that brokers get into the mix because they help connect businesses and individuals with the lenders and help them find a lender who is going to get them the best terms possible.

When it comes to repayment terms, many lenders do not expect you to pay toward the principal while the loan is active. Instead, you’ll likely make interest-only payments, then pay off the balance in one lump sum at the end. This can either be at the end of your term or before, provided you have the means to do so. For example, if you finish repairing a fix-and-flip and get it sold in half the time you anticipated, you could pay off the balance then and there.

Terms Typically Run from a Few Months to a Few Years, Depending on Your Needs and Eligibility

Arizona Hard money loans are usually based on the value of an asset. In the case of equipment, it’s often the value of that equipment, but a business owner could also use property to secure the loan. When it comes to real estate, the property secures it. This means that becoming eligible for an HML is easier than qualifying for funding through conventional channels. However, your lender will also look at things like your ability to pay (cash inflows), your experience and plans for the cash, and the location of the property too. All this and more goes into deciding how long you’ll have to repay. That said, most people have somewhere between three months and five years to take care of the principal.

Alternative lending may be right for you if you know how to craft a successful exit plan.

Before applying for funding, create a solid timeline of when you’ll either be able to pay off the balance through the sale of your asset or by refinancing. When you know your own timeline and what it will take to get you there, provided you’re looking at 3-60 months, you’ll have a much easier time qualifying for hard money loans in Arizona that fit your needs.

                                                 
                                                      

                                                                                                                                         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

Monday, January 20, 2020

How to Choose an Exit Strategy with Hard Money Lenders

Arizona Hard Money Lenders offer short-term loans that typically last no more than five years but can sometimes be measured in months. You should have an exit strategy in mind before you get started using this form of lending to fund real estate deals, though knowing when to pivot away from your initial plans is crucial to your success.

Many people in the fix-and-flip biz work with Arizona Hard Money Lenders because it enables them to get cash fast and credit is less of a concern. In these cases, selling off the property as soon as it’s completed is the traditional route, purely because it allows the investor to collect and move onto his or her next project. Sometimes, however, a market downturn can mean selling it right after completion is not the best choice. People also use alternative lending for fix-and-holds. If the property is generating income or is expected to increase substantially in value, then it’s generally advantageous to hold onto it for some time. Neither is wrong or right; they’re merely different investment strategies based on the goals and preferences. With the fix-and-flip, selling off the property is a natural exit. With a fix-and-hold, you’ll need to evaluate whether your ideal selling point will fall within the terms of the loan or if it makes sense to refinance.

All that said, an important first step is to determine how much you’re actually paying as you hold the property. Your loan and interest are only one component, as there are always additional costs such as upkeep and property tax. Create a detailed list outlining all expenses associated with holding, so it’s easier to determine whether it’s best to sell or collect rental income.

Interest rates can also help you determine when it’s time to get your initial loan paid off. You may have one year or even five years to pay off the balance, but if interest rates on your refinancing options drop, and it’s your plan to continue holding for years to come, it may also make more sense to do the refi earlier rather than later.

Learn About Multiple Exit Options and Know How to Evaluate When it’s Time to Shift

Depending on which Arizona Hard Money Lenders you work with, there may be absolutely no penalties for doing an early payoff. Some are glad to have you pay off the balance early because it typically means you’re moving onto another project they can fund. This in mind, it’s important to do a comprehensive cost-benefit analysis before you purchase a property to identify the best time and method to exit. You’ll also need to keep an eye on market conditions and interest rates as you hold the property to make sure your initial projections are still going to provide you with the greatest amount of profit.

The more data you collect, the more successful you will be.

Experienced real estate investors don’t rely on intuition to tell them when to sell. They use hard data and build projections based on that, then keep a pulse on market and interest conditions to make sure they’re still on track. This not only helps them get top dollar on each project, but makes them more appealing to Arizona Hard Money Lenders when they go in to request funding.

                                               
                                                      

                                                                                                                                         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

Sunday, January 19, 2020

How to Get Residential Arizona Hard Money Loans

What are residential Arizona Hard Money Loans? How through your hard money broker at Level 4 Funding, you can get the necessary help and the financing you need.

Residential loans are home loans that are not intended to be used for commercial returns. Instead they are intended to allow a borrower to purchase a property in order to use it for personal housing. Loans can be received to finance a variety of different property types in a variety of different locations.

In the spectrum of hard money lending, Residential Arizona Hard Money Loans are not offered by most Arizona Hard Money Lenders. This is due to the restrictions of the Dodd-Frank, which after the Great Recession changed many of the residential housing regulations especially regarding subprime lending. Because of the Dodd-Frank Act, there are more regulations private money lending for residential purposes. Most Arizona Hard Money Lenders do not want to deal with the bureaucracy and the difficult processes associated with Residential Arizona Hard Money Loans or do not specialize in this area of loans. Those lenders who do deal with Residential Arizona Hard Money Loans tend to focus on a subniche: residential rehab, family residential, multi-family residential, etc..

Residential hard money is able to help individuals purchase: apartments, condos, mobile home trailer parks, multi-family units, raw land, single-family properties, and vacant land. Financing for these types of loans requires cash down in order to fulfill the loan to value stipulations of Arizona Hard Money Lenders. An acceptation to LTV cash down restrictions would depend on personal assets with a strong, positive equity position which would create enough security for the hard money lender.

Talk to Your Residential Arizona Hard Money Loans Broker at Level 4 Funding Today. Get started and Find the Funding You Need

Determine the type of residential property that you need a loan on. Evaluate what assets or cash down you have to leverage in order to begin the application process to receive a hard money loan. Then speak with your hard money broker to find the right lender and rate to finance the property you are interested in.

Avoid pitfalls! Level 4 Funding is here to help you receive your hard money residential loans. Talk to a broker today!

Your hard money broker will guide you through the process and help you to understand whether you qualify for a hard money residential loan and if so what type of hard money residential loan would work best 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

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

Saturday, January 18, 2020

Can You Make Money With Fix and Flip Loans?

If you’ve been a part of the major viewing base of popular HGTV series like Property Brothers, Fixer Upper, and Flip or Flop, you may be interested in the potential profit that comes from home renovating and fixer uppers. But where do you get the best fix and flip loan?

Borrowers can turn to public money lenders or Private Money lenders for any of their loan needs. Public money lenders consist of banks and credit unions, while Private Money lenders are private companies and investors. The major difference between public and private lenders is that private lenders offer hard money.

Hard money is an alternative to traditional loans that have flexible requirements compared to the loans offered by traditional lenders. Even though hard money is a great primary option for borrowers struggling to meet major loan requirements, it is a great loan for those renovating homes. Interest rates and fees can be higher than other loans on the market, however, with the right plan, you can X.

Benefits of Hard Money

The real estate market is competitive. For borrowers who want to make a quick buck, obtaining the ideal property is a must. Not just any home is ideal for renovating, and first-time renovators will want to choose a property that is safe. On a market that moves quickly, having the money to make a bid is a must. Here’s where hard money comes in.

Hard money works fast. Independent lenders have the ability to get the loan process moving much faster than traditional lenders. The loan process can get moving in as fast as 48 hours! If not, at least within the week. This beats the process of traditional lenders who may need as much time as a month.

Additionally, hard money loans offer flexibility. When working with a private hard money lender, you are much more likely to be seen as an individual. You can work one on one with your lender who can help seek out the best option for you and your financial situation. That means your financial history is not as important. You will have to prove your ability as a borrower, but you won’t need to feel as stressed if your financial history is not perfect.

Of course, hard money is also ideal for fix and flip loansbecause of the speed within the loan repayment period. Renovating for a profit means you want the process to go as quickly as is safe for the project, but you also want a quick sale. Typically, hard money has a quick repayment period which naturally fits the time period of home renovating.

Hard money lenders in Arizona

If you are looking for fix and flip loans in Arizona, look no further than the hard money lenders at Level 4 Funding. Our qualified team of mortgage brokers can help find the best loan for you and your financial situation. With hard money lenders that work directly, the stress of renovating single and multifamily real estate. Give us a call today!



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
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

Who Finances Arizona Spec Loans Investors?

Arizona Spec loan investors use hard money to take advantage of real estate opportunities.

In real estate investing there are two common types of investments: investments in spec and in custom homes. To start, instead of meeting the general preferences of a larger community, custom homes are constructed with a specific client in mind. This client will have a drawn out and specific plan for the construction of the house. Floor plans will represent what an individual client finds appropriate, economical, and appealing. All of the supplies for building, the colors, and the arrangements will be considered and constructed based upon agreements between the both the purchaser and the contractor.

On the other hand, spec homes or speculative homes, are homes made to suit the general needs of the housing market. These homes will be constructed by Arizona Spec Home Investors who do not have a specific client in mind, but rather are looking to create a home consistent with other designs that are selling well in a given area. To do this, Arizona Spec Home Investors will have researched a favorable floorplan and will have measured out the general costs of the materials needed to build a decent looking home. Suiting the markets general needs permits the builders to receive a quicker turn on investment than dealing with the idiosyncrasies of trying to reach an individual.

By building a general fit for market needs in a profitable and attractive area, Arizona Spec Home Investors are able to get a quick return on investment. Many Arizona Spec Home Investors find that they have buyers before completing construction. Another reason for the popularity of spec homes and the ease of selling is that buyers generally know what they are getting into since they are able to look at other spec homes previously built.

Hard Money for Arizona Spec Home Investors

Arizona Spec Home Investors who have been in business for a long period of time are sometimes able to acquire conventional lending. This is often due to a favorable credit history, a strong credit score, a leverageable asset, or a great record of completing ventures and paying off debt. The advantage of obtaining conventional lending is that it offers some of the lowest available rates. These rates diminish the total amount of interest to paid off in the long run. On the down side, is the red tape and the length of the paperwork. Conventional lending offers great rates, but potential debtors are subject to rigorous credit evaluation and stipulation requirements, these taking at times months to complete.

For Arizona Spec Home Investors, finding the right source of financing is a crucial step to reaching potential returns.

If potential Arizona Spec Home Investors, are unable to meet these stipulations, that is to say they do not have stellar credit scores, businesses with a favorable lending history, or properties to leverage, hard money lending may be the best option. Since hard money lending bases collateral off of property, Arizona Spec Home Investors interested in these types of loans will require property to leverage instead of creditworthiness. Whether the collateral is property that is already owned, or it is created by putting cash down the future investment, it does not matter. For more information on spec loans talk to a broker at Level 4 Funding.

                                           
                                                      

                                                                                                                                         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

Friday, January 17, 2020

Conventional Versus Hard Money Rental Property Loans in Arizona

Which of these rental property loans do you qualify for?

You are getting into the rental property business. Maybe you have done the research and have looked at various neighborhoods in a particular city, area, or neighborhood that are able to give a good return on long term housing rentals. Great. You have the idea, the research, and the iron will to push forward, but you are left with a crucial question: where is the money to do this? The answer for many investing into the renting business is found in locating a comfortable financing situation.

First, what type of loan are you looking into, hard money or conventional? If conventional, do you have a strong credit score, a record of financing and renting out homes, a comfortable amount of cash down (20%-30%), and a favorable debt-to-income (DTI) ratio? Also, is the real estate you are looking to buy in good shape—not distressed or in need of a solid renovations?

If not, Hard Money Rental Property Loans in Arizona are your next option. Hard Money Rental Property Loans in Arizona have less stipulations than conventional lenders. To receive such a loan as this, a borrower must have enough cash down, 20% to 60%, to create a favorable loan-to-value situation for his or her lender. Otherwise, he or she will need to leverage current real estate assets owned to mitigate the lender’s risk. By leveraging property, especially with excellent positive equity or with no debt owed, up to 100% LTV is possible.

Benefits of Hard Money Rental Property Loans in Arizona

On top of this, previous credit issues such as bankruptcy, foreclosure, and delinquency can be overlooked in favor of an optimistic equity situation. Don’t worry about the past, it is time to live in the glory of the entrepreneurial present.

Talk to your hard money broker today at Level 4 Funding to get the rental property loans you need.

Another benefit of using Hard Money Rental Property Loans in Arizona, is that you are able to buy distressed property. This is a benefit if you are interested in renovating to rent a house since purchasing a house is cheaper than purchasing other refurbished units in an area. Though this may take honing a few more skills and becoming one with your inner weekend warrior, many are able to get more returns by paying less in these instances. If hard money lending seems right for you, talk a hard money broker at Level 4 Funding.

                                         
                                                      

                                                                                                                                         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

Thursday, January 16, 2020

4 Benefits of Using Arizona Private Money Lenders

Who are Arizona Private Money Lenders, and why should they matter to you?

Arizona Private Money Lenders are individual investors who are separate from federal institutions. Aside from conventional lenders who receive institutional money, rates, and regulations in order to lend money, private lenders loan out their own money to the individuals they see fit to loan to. They are small entities with their own interests and their own agendas, not an extension of the bureaucratic arm of federal lending.

There are several benefits to using private lenders. First off, generally speaking, Arizona Private Money Lenders tend to finance real estate that needs to be repaired. They are okay with borrowers purchasing property that has been run down, that has extensive damage, or that can be fixed within a short period of time. This is because these types of property, if the numbers are crunched correctly, can bring in a healthy return, benefiting both lender and buyer. Because of this, fix and flip investors frequently tend to deal with private lenders for a variety of lending scenarios: acquiring a profitable piece or real estate that may be distressed; financing only a portion of the renovation process such as cement, paint, etc.; or financing equipment that can be used for renovations.

Second, reduced lending requirements. Arizona Private Money Lenders do not require lengthy verification requirements and can be funded within a matter of a few days at the quickest. The speed and the reduced application and funding requirements make private money popular for individuals purchasing wholesale, foreclosed, or short-sold properties, many of such purchases needing to be funded within a short amount of time opposed to the lengthy, 40-day-plus period that a conventional loan would take.

What Do Private Lenders Require?

Third, Arizona Private Money Lenders tend to look at equity positions and business success over past bankruptcies, foreclosures, and delinquencies. Many recipients of Arizona Private Money Lenders are contractors, leasers, and flippers who purchase property to get a return on money. A primary concern for Arizona Private Money Lenders is what the loan-to-value (LTV) and the after-repair-value (ARV) will figure out to be. By calculating both of these factors, a private money is able to calculate risk in the advent of foreclosure. Other factors included when financing real estate investors are: how many jobs has the investor completed, and how well has his or her investing business held up.

Arizona Private Money Lenders are local lenders who
tend to have a personal relationship with borrowers.

Forth, Arizona Private Money Lenders are generally local lenders. Aside from equity and work history, Arizona Private Money Lenders tend to lend to people in a close-knit community. Instead of calling an obscure entity from a “1-800” number that is directed through a myriad of phone lines and codes just to hopefully get a bank representative, Arizona Private Money Lenders are accessible, personable, and available. By building local investment ventures, they indirectly build communities, small businesses, local infrastructures, and community jobs. Though finding Arizona Private Money Lenders is not as easy as other lending outlets, it is a comfortable and a less regulated lending form that continues to help many small business and individuals get their start.

                                       
                                                      

                                                                                                                                         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