Setabay Private Money Lender

Tuesday, February 25, 2020

Can You Calculate Your LTV? An Easy Guide to Real Estate Math

Here’s how to do the math on your next hard money investment so you know if it’s going to be the right choice for you.

Is that home going to be a cash cow? Will that fix and flip line your pockets for your next project? You may not be a big fan of math, but you can’t be a great investor without knowing the basics to real estate calculations.

Let’s go over some of the big numbers you’ll need to know for an investment!

Loan Amount

This one is pretty easy to determine and the most important one to know. How much are you going to be able to put down on the home? That is going to feed into the next equation because to get an Arizona hard money loan the lender will look at the loan to value. Are you going to need higher than 70% LTV to make your deal work? It’s important to know this going forward because different lenders have different max LTVs that they’ll loan on.

LTV – Loan to Value

This calculation is pretty simple! You’re going to divide the amount you’re borrowing by the appraised value of the home. To get the appraised value it’s good to speak with someone keen to real estate if you aren’t familiar with home values in the area.

Here’s an example: If you’re investing in a home worth $100,000 and you’re going to borrow $90,000, you’ll have a LTV of 90%. Now just add the data for the home you’re interested in and see what your LTV is which is an important number to know when securing a hard money loan.

Hard money lenders like Level 4 Funding will often times go up to a 90% LTV, depending on the project. If you’ve got a proposal for an investment opportunity that you think is going to be a money maker, needs to happen quickly, or you’re worried about getting funded through a traditional lender, an Arizona hard money loan may be just what you need.

Call us today to schedule an appointment to present your proposal and get started on your next project in as little as a few days!

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.

Orchard Funding 11333 N Scottsdale Rd #293, Scottsdale, AZ 85254 (602) 252-1500

Hard Money Lenders Phoenix Arizona 40 N Central Ave #1400, Phoenix, AZ 85004 (480) 999-6183

SFG of Arizona, LLC 7272 E Indian School Rd #540, Scottsdale, AZ 85251 (480) 455-5047

Capital Fund 1 14555 N Scottsdale Rd Ste 200, Scottsdale, AZ 85254 (480) 889-6100

Prime Plus Mortgages - Phoenix Hard Money Loans 7137 E Rancho Vista Dr b05, Scottsdale, AZ 85251 (480) 788-357

Brad Loans by eMortgage Inc. 6011, 7522 E McDonald Dr C, Scottsdale, AZ 85250 (480) 948-0880

Geoff Ball | Hard Money Loans 3003 N 73rd St, Scottsdale, AZ 85251 (480) 808-8687

Hilton Financial Corporation 11024 N 28th Dr #170, Phoenix, AZ 85029 (602) 375-8951

LM2 Investment Group 9160 E Bahia Dr #105, Scottsdale, AZ 85260 (480) 444-2242

Setabay Loan Trust Deed Investing - Private Lender 23335 N 18th Dr #120, Phoenix, AZ 85027 (623) 869-6854

Kenwood Mortgage Investments 7950 E Redfield Rd # 110, Scottsdale, AZ 85260 (480) 783-8800

Hard Money Loan Services 916 E Baseline Rd #106, Mesa, AZ 85204 (480) 820-5070

Arizona Private Lender Association – APLA 11811 N Tatum Blvd #4020, Phoenix, AZ 85028 (520) 269-6585

A&A Funding Corporation 10031 E Dynamite Blvd Suite 230, Scottsdale, AZ 85262 (602) 494-8980

Capital Market Funds 8442 E Chaparral Rd, Scottsdale, AZ 85252 (480) 351-4472

Hard Money, LLC -- Hard Money for Arizona bruc.robinson@gmail.com, Gold Canyon, AZ 85118 (559) 967-5582

Clear Mortgage 9399 South Priest Drive

xmantothemoonisgoing good today at all

Can you Really Make a Profit with Arizona Land Loans?

Choosing to invest in Arizona Land Loans can be risky if the location of your investment is in an underdeveloped area. Read more below to find tips on making the most with your investment.

Borrowers interested in Arizona Land Loans may be interested for a few profitable reasons. Whether they are looking to build a beautiful home in a city going through major developments to resale later or purchase the land as an investment over time, many people are reaping the benefits of owning land. Some even purchase land to upscale for themselves.

However, buying land isn’t as easy as it sounds. The location of your land will be just as important as its ability to function should you or your buyer choose to build on it. Access to power, water lines, sewer, curbs, and sidewalks are extremely important should a home be built on it. Then, there are more technical requirements to consider: restrictions and conditions of the lot. Can you build? Are there environmental hazards? Is the land in a flood zone?

Needless to say, buying land and making a profit requires a lot of research. While the success of homebuyers, builders and renovators on networks like HGTV can make the process seem glamorous, it does require the consideration of some technicalities.

Tips to Choosing a Great Property

Choosing a great property begins with the property itself. What possibilities does it have for amenities? A location near water lines, sewers, curbs, and sidewalks are great investments for possible development. Land without these options will limit potential buyers because it limits the function of potential homes. When you are considering what lots you should invest in, put yourself in the shoes of potential buyers and families who may wish to move to the area in the future. A good property will be versatile and functional.

In addition to the land, you need to consider its location. Is it near school and business districts? Is a commute from any major cities necessary? Is the area itself under development? What are the goals the surrounding community has for its future? How does your investment fit the larger picture?

Arizona Land Loans can make the purchase of a property possible. However, the rates and fees associated with them can make the investment a poor one if you choose an ill-suited property for your purposes of profit.

What Loan is Right for You?

If you are wondering if Arizona Land Loans are right for you, you should visit the hard money lenders at Level 4 Funding! We offer personalized services fit for your needs, as well as your property. You do not have to go through the process alone. Our lenders are based out of Arizona and Nevada, serving any of your land and loan needs. While traditional loan lenders may be the first thing you think of when applying for a loan, a Private Money lender like the lenders at Level 4 Funding can offer you personalized loan advice that is tailored to you and your project. Give us a call today!

Orchard Funding 11333 N Scottsdale Rd #293, Scottsdale, AZ 85254 (602) 252-1500

Hard Money Lenders Phoenix Arizona 40 N Central Ave #1400, Phoenix, AZ 85004 (480) 999-6183

SFG of Arizona, LLC 7272 E Indian School Rd #540, Scottsdale, AZ 85251 (480) 455-5047

Capital Fund 1 14555 N Scottsdale Rd Ste 200, Scottsdale, AZ 85254 (480) 889-6100

Prime Plus Mortgages - Phoenix Hard Money Loans 7137 E Rancho Vista Dr b05, Scottsdale, AZ 85251 (480) 788-357

Brad Loans by eMortgage Inc. 6011, 7522 E McDonald Dr C, Scottsdale, AZ 85250 (480) 948-0880

Geoff Ball | Hard Money Loans 3003 N 73rd St, Scottsdale, AZ 85251 (480) 808-8687

Hilton Financial Corporation 11024 N 28th Dr #170, Phoenix, AZ 85029 (602) 375-8951

LM2 Investment Group 9160 E Bahia Dr #105, Scottsdale, AZ 85260 (480) 444-2242

Setabay Loan Trust Deed Investing - Private Lender 23335 N 18th Dr #120, Phoenix, AZ 85027 (623) 869-6854

Kenwood Mortgage Investments 7950 E Redfield Rd # 110, Scottsdale, AZ 85260 (480) 783-8800

Hard Money Loan Services 916 E Baseline Rd #106, Mesa, AZ 85204 (480) 820-5070

Arizona Private Lender Association – APLA 11811 N Tatum Blvd #4020, Phoenix, AZ 85028 (520) 269-6585

A&A Funding Corporation 10031 E Dynamite Blvd Suite 230, Scottsdale, AZ 85262 (602) 494-8980

Capital Market Funds 8442 E Chaparral Rd, Scottsdale, AZ 85252 (480) 351-4472

Hard Money, LLC -- Hard Money for Arizona bruc.robinson@gmail.com, Gold Canyon, AZ 85118 (559) 967-5582

Clear Mortgage 9399 South Priest Drive

xmantothemoonisgoing good today at all

Monday, February 24, 2020

Give Me 30 Minutes and I’ll Change Your Perspective on Hard Money Loans

Hard money loans are the way to go for some investors who need fast cash and can’t qualify for traditional loans – here’s why.

In the world of finance, hard money loans can get the short end of the stick when it comes to reputation. We’re aware! But what I’m here to tell you is why we may be the right choice for you.

First and foremost, we offer an opportunity for investors who can’t secure traditional loans – we’re the fairy godmother for those who have poor credit and can’t wait for a loan to fund for weeks on end.

Some of what you’ve heard is true. Yes, we do have higher interest rates and yes, we do scrutinize your project plan, but that’s because we’re taking a risk. We’re taking a risk on your project and on you as an investor.

We Don’t Avoid Risk, We Welcome It!

But that’s a risk we are not only willing, but happy to take! It’s why we’re in the business of hard money loans! We’ve seen investors miss out on opportunities because they can’t get the cash fast enough. We’ve seen investors be shunned by traditional banks because of their credit score. We won’t stand for it!

We Want You to Succeed

Our success is your success. We thrive on helping your investment come to life and that’s why we’re here to listen to your proposal whether it’s for a fix and flip residential home or you want to secure a commercial property for long-term income. We’re a one stop shop when it comes to real estate investment. There’s no project too big or small for us to consider lending.

An Arizona hard money loan can mean the difference between success and failure on your next project. The real estate market is HOT right now and deals are flying off the shelves before investors can submit their loan requests to traditional lenders. Allow us to fill that need for you by funding quickly and getting your name on the title of your next investment opportunity.

Orchard Funding 11333 N Scottsdale Rd #293, Scottsdale, AZ 85254 (602) 252-1500

Hard Money Lenders Phoenix Arizona 40 N Central Ave #1400, Phoenix, AZ 85004 (480) 999-6183

SFG of Arizona, LLC 7272 E Indian School Rd #540, Scottsdale, AZ 85251 (480) 455-5047

Capital Fund 1 14555 N Scottsdale Rd Ste 200, Scottsdale, AZ 85254 (480) 889-6100

Prime Plus Mortgages - Phoenix Hard Money Loans 7137 E Rancho Vista Dr b05, Scottsdale, AZ 85251 (480) 788-357

Brad Loans by eMortgage Inc. 6011, 7522 E McDonald Dr C, Scottsdale, AZ 85250 (480) 948-0880

Geoff Ball | Hard Money Loans 3003 N 73rd St, Scottsdale, AZ 85251 (480) 808-8687

Hilton Financial Corporation 11024 N 28th Dr #170, Phoenix, AZ 85029 (602) 375-8951

LM2 Investment Group 9160 E Bahia Dr #105, Scottsdale, AZ 85260 (480) 444-2242

Setabay Loan Trust Deed Investing - Private Lender 23335 N 18th Dr #120, Phoenix, AZ 85027 (623) 869-6854

Kenwood Mortgage Investments 7950 E Redfield Rd # 110, Scottsdale, AZ 85260 (480) 783-8800

Hard Money Loan Services 916 E Baseline Rd #106, Mesa, AZ 85204 (480) 820-5070

Arizona Private Lender Association – APLA 11811 N Tatum Blvd #4020, Phoenix, AZ 85028 (520) 269-6585

A&A Funding Corporation 10031 E Dynamite Blvd Suite 230, Scottsdale, AZ 85262 (602) 494-8980

Capital Market Funds 8442 E Chaparral Rd, Scottsdale, AZ 85252 (480) 351-4472

Hard Money, LLC -- Hard Money for Arizona bruc.robinson@gmail.com, Gold Canyon, AZ 85118 (559) 967-5582

Clear Mortgage 9399 South Priest Drive

xmantothemoonisgoing good today at all

How to Make a Profit with Arizona Land Loans

Making a profit with Arizona Land Loans seems simple: secure a property and sell it at a higher price, right? Turns out, it’s not so easy and there’s a few tips you can take into account to make your investment successful.

Investing in land is an option many people are choosing to aid in their finances. Whether it is to build on the land themselves a modern, updated home or save the property for the opportunity for sale in the future, land investments can be great options for buyers looking to make money in the real estate market.

However, not all land is equal. Before settling down on a property, you should really take the time to consider the location of your land, nearby developments, and the ability to implement amenities, like a sewer system, water line, and power. Investing in land with potential will give you and your potential buyers more options. This means when you take out Arizona Land Loans, you are getting more for your money, rates, and accumulating interest.

You may choose a great property because of its size and potential for development, however, if it is not located near business or school districts, it is less likely to be purchased by a family looking to buy. You also need to consider some technical requirements. What does the city require of the land should it be developed further? Understanding zoning requirements as well as covenants, conditions and requirements are musts before purchasing a vacant lot.
Why You Should Work with a Private Money Lender
Working with a Private Money lender can be helpful because of the time and focus they can give you. Unlike public money lenders, like banks, they can work with you on a much more individualized level. So, if you are looking to invest in land for the first time, you can feel confident you are not receiving generalized advice or even being viewed in a larger perspective.

If you are a first time borrower or have less than perfect credit, a Private Money lender will be more likely to approve your application for Arizona Land Loans than a bank would. They can look at your plans, property, and resources, if you are planning on building, and take a risk with you that a public lender wouldn’t.

What You Need to Know about the Market

Qualifying for Arizona Land Loans with a Private Money lender is much more feasible than with a public lender, however, it comes at a cost. Private Money lenders have higher interest rates, which are a literal cost that come with the speed of their flexible approval process. Before you agree to the terms with your hard money lender, you need to completely understand the financial aspect of it. Don’t rush into it because the pros seem to outweigh the cons. While this is true for some, take your time to make sure it compliments what you wish to do with your land investment.

Always be prepared. Building on land and reaping an investment is possible, but you need to make sure you are working with a qualified team who follows plans and meets deadlines. Ensure that your team believes in you, and you believe in your team. Consider the money lenders at Level 4 Funding today!

Orchard Funding 11333 N Scottsdale Rd #293, Scottsdale, AZ 85254 (602) 252-1500

Hard Money Lenders Phoenix Arizona 40 N Central Ave #1400, Phoenix, AZ 85004 (480) 999-6183

SFG of Arizona, LLC 7272 E Indian School Rd #540, Scottsdale, AZ 85251 (480) 455-5047

Capital Fund 1 14555 N Scottsdale Rd Ste 200, Scottsdale, AZ 85254 (480) 889-6100

Prime Plus Mortgages - Phoenix Hard Money Loans 7137 E Rancho Vista Dr b05, Scottsdale, AZ 85251 (480) 788-357

Brad Loans by eMortgage Inc. 6011, 7522 E McDonald Dr C, Scottsdale, AZ 85250 (480) 948-0880

Geoff Ball | Hard Money Loans 3003 N 73rd St, Scottsdale, AZ 85251 (480) 808-8687

Hilton Financial Corporation 11024 N 28th Dr #170, Phoenix, AZ 85029 (602) 375-8951

LM2 Investment Group 9160 E Bahia Dr #105, Scottsdale, AZ 85260 (480) 444-2242

Setabay Loan Trust Deed Investing - Private Lender 23335 N 18th Dr #120, Phoenix, AZ 85027 (623) 869-6854

Kenwood Mortgage Investments 7950 E Redfield Rd # 110, Scottsdale, AZ 85260 (480) 783-8800

Hard Money Loan Services 916 E Baseline Rd #106, Mesa, AZ 85204 (480) 820-5070

Arizona Private Lender Association – APLA 11811 N Tatum Blvd #4020, Phoenix, AZ 85028 (520) 269-6585

A&A Funding Corporation 10031 E Dynamite Blvd Suite 230, Scottsdale, AZ 85262 (602) 494-8980

Capital Market Funds 8442 E Chaparral Rd, Scottsdale, AZ 85252 (480) 351-4472

Hard Money, LLC -- Hard Money for Arizona bruc.robinson@gmail.com, Gold Canyon, AZ 85118 (559) 967-5582

Clear Mortgage 9399 South Priest Drive

xmantothemoonisgoing good today at all

Sunday, February 23, 2020

Your Hard Money Request Was Denied, Now What?

Rework your Arizona hard money loan request to make sure it gets accepted by a lender and you can begin your project.

Let’s face it – rejection hurts! Especially when it’s your livelihood on the line. If you’re a real estate investor, securing your Arizona hard money loan can mean the difference between success and failure because snagging a deal as soon as possible is KEY!

When you approach a lender for your Arizona hard money loan, they will ask for a project plan for two reasons:

1. They want to see your plan to ensure you’ve thought out your project from inception to completion.

2. They want to know how they’ll make their money back.

If you’re not providing that information in an easy to understand way, or you’re simply lacking pieces of the puzzle that make the lender uneasy to fund your project, you may face losing out on a deal because you can’t get your funding quick enough.

That doesn’t mean it’s time to give up! Once you present your project, the lender may offer some advice, but if they don’t there are some things you can do to make sure you have covered all the bases before your Arizona hard money loan presentation.

Here are the things you should include to increase your chance of acceptance:

· Amount of loan requested

· Reason for needing the loan

· Your investment

· Project timeline

· Total project cost

If any of those integral pieces of your project puzzle are missing, you can count on having to rework your proposal and having to re-present your plan to the lender to secure your hard money loan.

Level 4 Funding is ready to hear your ideas and learn how we can help you pave the way to success in real estate investment. Call us today to set up an appointment to present your next project!

Orchard Funding 11333 N Scottsdale Rd #293, Scottsdale, AZ 85254 (602) 252-1500

Hard Money Lenders Phoenix Arizona 40 N Central Ave #1400, Phoenix, AZ 85004 (480) 999-6183

SFG of Arizona, LLC 7272 E Indian School Rd #540, Scottsdale, AZ 85251 (480) 455-5047

Capital Fund 1 14555 N Scottsdale Rd Ste 200, Scottsdale, AZ 85254 (480) 889-6100

Prime Plus Mortgages - Phoenix Hard Money Loans 7137 E Rancho Vista Dr b05, Scottsdale, AZ 85251 (480) 788-357

Brad Loans by eMortgage Inc. 6011, 7522 E McDonald Dr C, Scottsdale, AZ 85250 (480) 948-0880

Geoff Ball | Hard Money Loans 3003 N 73rd St, Scottsdale, AZ 85251 (480) 808-8687

Hilton Financial Corporation 11024 N 28th Dr #170, Phoenix, AZ 85029 (602) 375-8951

LM2 Investment Group 9160 E Bahia Dr #105, Scottsdale, AZ 85260 (480) 444-2242

Setabay Loan Trust Deed Investing - Private Lender 23335 N 18th Dr #120, Phoenix, AZ 85027 (623) 869-6854

Kenwood Mortgage Investments 7950 E Redfield Rd # 110, Scottsdale, AZ 85260 (480) 783-8800

Hard Money Loan Services 916 E Baseline Rd #106, Mesa, AZ 85204 (480) 820-5070

Arizona Private Lender Association – APLA 11811 N Tatum Blvd #4020, Phoenix, AZ 85028 (520) 269-6585

A&A Funding Corporation 10031 E Dynamite Blvd Suite 230, Scottsdale, AZ 85262 (602) 494-8980

Capital Market Funds 8442 E Chaparral Rd, Scottsdale, AZ 85252 (480) 351-4472

Hard Money, LLC -- Hard Money for Arizona bruc.robinson@gmail.com, Gold Canyon, AZ 85118 (559) 967-5582

Clear Mortgage 9399 South Priest Drive

xmantothemoonisgoing good today at all

Saturday, February 22, 2020

Private Money vs. Hard Money – What’s the Difference?

Learn the difference between private money and hard money so you can make an informed borrowing decision.

In prior blog posts I’ve discussed the real estate jargon that all investors should be familiar with so you can talk the talk and walk the walk. There are two more terms that though they may seem interchangeable, they aren’t exactly the same.

Private money and hard money are two different ways to borrow money and I’m going to outline the differences below.

Hard Money

When you meet a hard money lender, it’ll be clear that lending is their bread and butter. It’s their business! That means they are ready to see your proposal and make a quick decision based on its merit. There are qualifications you’ll have to meet, but they are far less strict than those imposed by traditional banks. That means you don’t have to have a fantastic credit score.

Hard money loans are funded just as quickly as the decision is made! You can begin your fix and flip venture in some cases in as short as a week. Don’t miss a good deal when it’s in front of you!

Private Hard Money

Private money loans can come from anyone who has the money to lend. It can be a family member, a friend, or a company. It is a relationship-based lending scenario that can take time to develop because they aren’t a tried and true lender, they just have the means to do so if they so choose.

They may also ask for some stake in the real estate venture because they are taking on a personal risk. Private money loans can also take longer to fund, causing you to lose out on deals.

That’s why we recommend using an Arizona hard money lender for your real estate business, whether you’re fixing and flipping or need a short-term loan for your buy and hold property. Contact Level 4 Funding today to discuss your next venture!