Setabay Private Hard Money Lender: private hard money california

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Monday, April 3, 2017

Think Outside the Bank For Private Lending

At Level 4 Funding, you get flexibility and speed, not red tape and committees. Bottom line: if your strategy is sound and your property has potential, we’ll find a way to make your loan work—without the drama and without the runaround.

And you can take that to bank.
Our specialty is helping, realtors, and investors purchase or refinance non-owner occupied residential properties. So if you’re looking for a respected lender that offers streamlined services, quick closings, and aggressive rates, you’re in the right place.

Non-conforming mortgage products for Non-Owner Occupied Residential properties

When traditional loan products are not flexible enough to meet your client’s needs, Level 4 Funding can help. We provide investors with quick access to non-conforming mortgage products for Non-Owner Occupied Residential properties whether they want to:

Fix & Flip
Buy & Hold
Rate & Term
Cash Out Refinance
Bridge Financing
Wholesale Lending

Real Estate Agents

You work to help your clients reach their real estate investment goals and so do we. Fast Approvals. Competitive Rates. Quick Closings. How can we do that? Level 4 Funding is a direct private hard money lender with local control from start to finish. We underwrite our own files and provide our own appraisals which makes our loan process transparent and fast, closing deals in as little as 4-10 days.

Imagine Having $50K-$250K Cash In Your Checking Account For Anything Your Business Needs F4F.com www.civicfs.com fundingforflipping.com

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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: private hard money lender,private hard money lender in california,hard money,mark gowlovech

Friday, January 13, 2017

Trumps Economy Is Going To Take Off! Get Ready Now!

Thing are going to happen..

Something is going on out there. Recently I've opened a new checking account at BofA for a small business venture, but I had one major problem to overcome. Something that I would have never expected. When I got to the bank they said "you will have to stand in line to open an account. " I asked my personal banker 'what's going on'? She said " did not understand what was happening, but since this morning there has been a steady stream of new customers coming into the bank and opening business checking accounts. I have never seen this much activity before".

Based on a recent Bloomberg report, Optimism among America’s small businesses soared in December by the most since 1980 as expectations about the economy’s prospects improved dramatically in the aftermath of the presidential election.

Being in business for 40 Plus years I hear this from my personal business associates. The consensus is that their feeling is '2017 is going to be a good year'. The share of business owners who say now is a good time to expand is three times the average of the current expansion, according to the NFIB’s data. More companies also said they plan to increase investment and keep hiring, which reflects optimism surrounding President-elect Donald Trump’s plans of spurring the economy through deregulation, tax reform and infrastructure spending.

Fifty percent of respondents, the biggest share since March 2002, said they expect better business conditions in the next six months. That was 38 percentage points higher than in November. The net share of firms projecting higher sales jumped by 20 points to 31 percent. Some 29 percent say they will boost capital outlays within six months.

The National Federation of Independent Business’s index jumped 7.4 points last month to 105.8, the highest since the end of 2004, from 98.4. While seven of the 10 components increased in December, 73 percent of the monthly advance was due to more upbeat views about the outlook for sales and the economy, the Washington-based group said. “

Rising confidence adds to the economy’s upward momentum,” Jim O’Sullivan, chief U.S. economist at High Frequency Economics in Valhalla, New York, said in a note. At the same time, the “NFIB membership appears to be disproportionately Republican, so it is possible that the data will start overstating strength, opposite the pattern during the Obama administration.”

The NFIB report was based on a survey of 619 small-business owners through Dec. 28. Small companies represent more than 99 percent of all U.S employers, according to the U.S. Small Business Administration. A small business is defined as an independent enterprise with no more than 500 employees.

“We haven’t seen numbers like this in a long time,” Juanita Duggan, president and chief executive of the NFIB, said in a statement. “Small business is ready for a breakout, and that can only mean very good things for the U.S. economy. Business owners are feeling better about taking risks and making investments.”

So now what do you do? What is your plan for the next 1-2 years? Should you invest in the stock market, hold cash, purchase real estate? Personally, I'm jumping back into the real estate rental market. But I'm being very cautious on what and where I purchase. I'm still licking my wounds from 2008.

Dodd-Frank will be changed. Only 3 new banks have been started since the 2008 crash. I remember when it would have been hundreds! Lending has been stagnant as local and regional banks are handcuffed to lend. What we have is constipation of the money pipeline due in large part to Dodd-Frank.

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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Free Report The 8 Things You Must Do To Be A Successful Home Flipper

Friday, July 15, 2016

Hard Money for the First Time California Fix&Flip Investor

So many first time investors are curious about hard money lenders. Who are they? What is it? How do I get some? Is it beneficial? Well, here some of the basic principals about California Hard Money lenders, in particular, if you are thinking about investing in property in the state of Arizona, but have never done it before. First of all, let’s determine what the term "hard money" means. When money is discussed between investors, it is considered to either be "soft" or "hard". Typically soft money is easier to qualify for and the terms are flexible. Hard money, on the other hand, is just the opposite. It is much more restrictive. Not in that it's more difficult to obtain, but the terms are very specific and much stricter. They have to be, because most hard money comes from private individuals with a great deal of money on hand at the moment. This is why hard money is also referred to as "private money", the two terms are interchangeable. Since the money used for investment purposes comes from individual people, just like you and I, not a typical lending institution, their first priority is to protect their investment capital. This is why the terms have to be so strict. So what are some of the terms of "hard money lenders"? Obviously it varies from lender to lender and from an California Hard Money lender to one in another state. It used to be that hard money lenders would lend solely based upon the deal or property at hand. They would only lend up to a certain percentage of the fair market value of the property, that way in the event of default, the hard money lender would profit handsomely if they had to foreclose or sell to an end buyer. Now, you will find that many hard money lenders, if they want to stay in business, require more than just equity to qualify. This is because the laws now are favorable for consumers instead of the lender. Consumer protection laws, time consuming and expensive court procedures, have forced some hard money lenders to become even harsher when applying for a loan, but don’t get discouraged. Hard money loans are there to create opportunity for the first time investor and should not be looked over without giving them serious thought.

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 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: california hard money lender,private hard money california

Finding the Perfect California Private Loan

So you found the perfect investment property, now it’s time to get a loan. Before you do this it is good to know what the terms are when dealing with a Hard Money Lender California has many options. So surely, after some homework, you will be able to find the one that will fit your needs. Here are some of the terms you can expect to see so you can prepare accordingly. Typically they will only loan you up to 70% ARV (after repaired value). This means that a hard money lender can loan you up to 70% of what the home is worth in repaired condition. So if you find a home worth $45,000 in the condition it's in, and needs $20,000 in repair work, and after it is repaired the current fair market value is worth $100,000, then typically they can lend you up to $70,000, which would cover the cost of the house and the repairs. This is what makes California Hard Money loans the perfect option for investing in a fixer-upper or a property you plan to flip. Other terms you can expect are high interest rates. Interest rates vary from 12% - 20% annually and terms can last for 6 months to a few years. Many times these rates vary depending on your credit score and experience. In most cases, there will be closing costs or fees to use hard money. Typically hard money lenders will charge anywhere from 2-10 points just to use their money. One point equals one percent of the mortgage amount. So charging 1 point on a $100,000 loan would be $1000. These are all important things to consider when choosing a hard money lender.

Dennis has been married to his wonderful wife for 42 years. They have 2 beautiful daughters 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Technorati Tags: california hard money lender,private hard money california

Setabay Private Hard Money Lender

Monday, April 3, 2017

Think Outside the Bank For Private Lending

Think Outside the Bank For Private Lending

Non-conforming mortgage products for Non-Owner Occupied Residential properties

Real Estate Agents

Friday, January 13, 2017

Trumps Economy Is Going To Take Off! Get Ready Now!

Thing are going to happen..

Friday, July 15, 2016

Hard Money for the First Time California Fix&Flip Investor

Finding the Perfect California Private Loan

About Me

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