Setabay Private Hard Money Lender

Saturday, April 6, 2019

Colorado Private Money Lenders: Institutional Versus Non-Institutional Lending

Colorado Private Money Lenders are investors. In order to invest, they pool together large sums of money, multi-million-dollar sums or greater. Some private investors have access to personal wealth and invest individually, other private investors are part of an investment group who together pool sufficient funds in order to lend. Whether an individual or a group, the concept is the same: a non-institutional source of money to be invested in monetary ventures.

To understand non-institutional money, let’s start with what institutional is. Institutional money is money lent out by banks and credit unions. Institutional lenders receive money from the Federal Reserve. Since this money comes from an institution, it is heavily regulated. Regulations, for example the Dodd-Frank Act after the last recession, determine under what conditions and to whom can banks lend out institutional money. This culminates in the stress of applying for loans: institutional money entails stringent checks on income, credit worthiness, credit history, equity, loan-to-value, debt-to-income, et al.

For many individuals in need of loans, sizing up to institutional mandates can be intimidating or even momentarily impossible. This is why Colorado Private Money Lenders serve a twofold purpose: First, they invest in individual or commercial ventures in order to secure monetary returns in the form of interest. Second, they offer a line of credit in a variety of situations for those who need it.

Get Non-Institutional Funds from Colorado Private Money Lenders

Colorado Private Money Lenders are considered non-institutional because their funds do not come from the Federal Reserve, but rather the pockets of individual investors. Due to this being the case, Colorado Private Money Lenders are less restricted by federal mandates. With fewer restrictions, they can loan to individuals with rotten credit, nonconventional income, bankruptcy delinquencies, and foreclosure history. Other benefits of Colorado Hard Money Lenders are that they increase local investment and economic activity, they help to build communities and family incomes, they help individuals enter into real estate investment and secure long-term returns. This and much, much more.

“Access funds directly from Colorado Private Money Lenders—Talk to your broker at Level 4 Funding today!”

If the banks have turned you down and you need a helping hand, talk to your broker at level 4 funding. Level 4 Funding has access to a variety of Colorado Private Money Lenders and is able to get you the funding that you need. Level 4 Funding has a long history of helping individuals interested in real estate investment, home acquisition, home refurbishment, Colorado Bridge Loans, and commercial lending. Get in touch today. Interest rates start as low as 5.99% APR.

Dennis Dahlber Broker Ri CEO Level 4 Funding LLC Dennis Dahlberg
Broker/RI/CEO/MLO
Level 4 Funding LLC
Hard Money Lender
Hard Money Loans
Hard Money Loan
Arizona Tel: (623) 582-4444
Texas Tel: (512) 516-1177
Dennis@level4funding.com
Dennis Dahlberg Broker/RI/CEO

About the Author: Dennis has been working in the real estate industry in some capacity for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the amazing investment opportunities provided by trust deed investing and hard money loans. His desire to help others make money in real estate investing led him to specialize in alternative funding for real estate investors who may have trouble getting a traditional bank loan. Dennis is passionate about alternative funding sources and sharing his knowledge with others to help make their dreams come true. Dennis has been married to his wonderful wife for 43 years. They have 2 beautiful daughters and 5 amazing grandchildren. Dennis has been an Arizona resident for the past 40 years.

Why Arizona Hard Money Lenders Can Finance Your Dispensary

Arizona Hard Money Lenders are the main answer to the financial woes of Arizona’s cannabis industry. Just as they have helped countless businesses establish a foothold in the market, Arizona Hard Money Lenders are here to help individuals reap the benefits of the cannabis industry. Rates for dispensary financing start as low as 7.99% APR. No begging the banks, no lines, no bureaucracy, and no credit required. Consult your broker who knows the ins-and-outs of cannabis in Arizona.

The potential of cannabis in the United States is legion. Frankly, already, the industry’s multi-billion transcendence has baffled many on Wall Street. Why is it here, where did it come from, where is it going? Well, according to recent market suggestions, its going threw the roof, the heavens, and to the Nirvana of all investments.

While many states are still debating the ins-and-outs of legal, medicinal, and recreational regulation, many businesses are raking in over a million per dispensary. Not a bad chunk of change. That being said, there are varying difficulties getting into the game: acknowledging that medical marijuana is only accepted on a state level in Arizona while remaining illegal federally, jumping through the costly and bureaucratic hoops to start a medicinal cannabis dispensary, locating optimal real estate options, and finally finding the funding for a commercial and legal grey area.

Of all of these, funding may be one of the greatest challenges when it comes to cannabis dispensary startups. Most businesses need money to set the wheel in motion. Many individuals have significant funds saved away, but not an overwhelming amount needed to purchase real estate, inventory, and pay various employees at the inception of a commercial operation. Adding to these challenges are conventional lenders. While taking out a business loan from conventional lenders can be a challenge for even conventional business archetypes, it is a hundredfold in regard to cannabis. Frankly, banks will not lend to medical cannabis dispensaries because federally they are considered illegal while regional they are not. Risk.

You Can Get Financed Now Through Cannabis Hard Money Lenders

So, who lends to cannabis dispensaries, especially within the state of Arizona. Answer: Arizona Hard Money Lenders. Arizona Hard Money Lenders are the main answer to the financial woes of Arizona’s cannabis industry. Just as they have helped countless businesses establish a foothold in the market, Arizona Hard Money Lenders are here to help individuals reap the benefits of the cannabis industry.

“Consult your broker who knows the ins-and-outs of cannabis in Arizona. Apply today and start the business you have always dreamed of creating with Level 4 Funding.”

Level 4 Funding has years of experience and representatives with extensive experience in the cannabis industry. Rates for dispensary financing start as low as 7.99% APR. No begging the banks, no lines, no bureaucracy, and no credit required. Consult your broker who knows the ins-and-outs of cannabis. Apply today, find Arizona Hard Money Lenders, and start the business you have always dreamed of creating with Level 4 Funding.

Ready to Supercharge Your Income? Fix and Flip Loans Can Help.

Whether you want to supercharge your income by buying and flipping houses professionally or you just want to do some weekend-warrior rehabbing for some side income, a Arizona fix and flip loan may be able to help.

From HGTV stars to celebrities and everyday people, flipping is super hot these days. Find a distressed property, put some money into fixing it up and sell it for a profit. Seems simple, right? While the reality can often be more complicated than this (there are always surprises, hidden costs and market fluctuations), the truth is that you can make good money flipping. In fact, the national average for a flip in America is around $30,000 and in some states, it's much higher. In Pennsylvania, for instance, the average time to flip was 199 days and the average profit was $105,190 per flip, according to CNBC.

Flipping will also bring you a lot of skills. Some flippers hire out the work of rehabbing a home, but most learn how to do much of the work themselves. In so doing, they're learning the ins and outs of installing flooring, putting in new kitchen cabinetry and redoing the landscaping and lots of other useful skills. You'll also learn the market, understanding how the buying and selling process works and knowing what buyers are looking for when it comes to housing upgrades.

How to Finance Your Flip

Here's the tricky part. You need a lot of upfront money to flip a home, including cash for the purchase and plenty of capital to do the rehab. Banks will do traditional mortgages, provided you have a great credit score, lots of money for a down payment and no issues in your past like a foreclosure or bankruptcy.

Here's a better option — hard money Arizona ix and flip loans. They're tailored specifically for flips, so they offer a range of advantages. First, approval is quick. Pre-approval can be done in a day and funds can be in your account in a week or two. Second, their terms are short — usually a year or less — which gives flippers just the amount of time they need to purchase, refurbish and resell a property. Finally, the loan is secured by the property, so there's no extensive checking of credentials, making them perfect for people who less-than-stellar credit or a blemish on their financial history.

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.

Establish a Foothold in the Cannabis Industry with Arizona Hard Money Loans

With a cannabis business plan, a location, and an idea of possible returns, securing the money is the next big step. However, if financing is needed, the banks will say no. Arizona Hard Money Loans are the best option for cannabis dispensaries in Arizona.

As of 2011 with the Medical Marijuana Act in effect, the ADHS (Arizona Department of Health Services) began to accept applicants care givers and card recipients. Nearly a year later in 2012, state-regulated dispensaries began to appear. Currently, there are more than 150 dispensaries in Arizona. Dispensary applicants must pay an application fee of $5000, must have three years of Arizona residency minimum, must employ a licensed doctor, and must only be affiliated with one dispensary.

According to ADHS’s Medical Marijuana Report, 121,915 pounds of marijuana were sold in 2018 in Arizona alone. The estimated value of Arizona’s medical marijuana market surpasses $400 million dollars, and it only continues to grow. This growth is enticing many to invest in a market of growing returns, despite the legal grey area and inherent risks associated. Marijuana could possibly be the new Mecca of investment. Trends suggest increasing use per capita, growing consumption of current medical marijuana users, and increasing lobbying to mitigate state and possibly federal regulation. The takeaway is that cannabis is a $400 million industry on a state level and a multi-billion-dollar industry on a national level. Despite the legal hurdles and the state versus federal conundrum, getting into the legal cannabis business today could equate to undreamt earning potential in the future.

Planning, research and funds play a huge role in the medical cannabis industry. First of what, where, and when. What is the business’s focus? Is it focused primarily on cultivation, clinical consultation, or retail. Where? Locating an area in accordance with the ADHS’s CHAA regional guidelines can be a challenge. Where will your dispensary find the right niche to sell its products, what type of real estate is needed, and where will the funds come from to purchase the dispensary’s infrastructure.

Arizona Hard Money Loans Can Help Grow Your Cannabis Dispensary

Though the application cost is only $5000, other financial elements should be established beforehand. With a business plan, a location, and an idea of possible returns, securing the money to put things into motion should come to mind. If financing is needed, the banks will say no. Arizona Hard Money Loans are the best option for a dispensary in Arizona.

“For Arizona Hard Money Loans, talk to a broker at Level 4 Funding today!”

Arizona Hard Money Loans are available through a hard money broker. Find the financing options that are right for your cannabis dispensary. For Arizona Hard Money Loans, talk to a broker at Level 4 Funding today!

Arizona Private Money Lenders Offer an Alternative to the Banks' Red Tape

When they're looking for financing for a home or a basic loan, most people only think of the bank. Well, there's an alternative out there and, for the right borrower, it can be a godsend. Let's take a look at how Arizona Private Money Lenders can ease the pain of the process.

If you've ever gone through the bank for anything — a mortgage, a personal loan, etc — you know the torture it can be. The piles of paperwork. The countless phone calls and meetings. Having your financial past put through the wringer. Waiting weeks to hear any news. Being treated like a cog in a massive, cold system. These are things we just have to put up with, right?

Nope. Thankfully, there's an alternative out there. Arizona Private Money Lenders invest their own money or pool their money with other investors to support projects they believe will be profitable. Because of the way these loans work, they get to operate outside the restrictive confines of the traditional financial institutions. Let's look at some of the pros and cons.

The Pros and Cons of Private Money

Like we mentioned above, Arizona Private Money Lenders aren't bound by the same strict regulations as banks. It's their money and they can reasonably decide where they want to invest it. Loans of this nature are usually secured with a deed to an asset, which covers the investors in case the borrower doesn't pay the loan back.

This means that lenders, unlike banks, don't care as much about your bank account, your credit score and your financial history. It also means that you, as the borrower, can sit down face-to-face and make your case (instead of speaking to one representative at a nationwide bank). Maybe your plan isn't traditional, but if you can back it up with hard data and no small amount of passion, an investor may take a chance on you.

It's important to note that private lenders often charge higher interest rates and the repayment terms can sometimes be stricter than a bank's, depending on what you negotiate at the outset.

Arizona Private Money Lenders in Arizona

Ready to say goodbye to the red tape at the bank and fund your next project? A Arizona private money lender in Arizona may be able to help. Level 4 Funding has decades of experience with private investing. We're here to listen to your plan, give you options and help you realize your real estate dreams. Contact us today!

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.

Friday, April 5, 2019

Residential Hard Money Lenders in Arizona

No more begging, jumping through hoops and paying crazy fees; Level 4 Funding is a Arizona residential hard money lender in Arizona with decades of experience in the game. Qualification is easier than you think, you can get approved in a couple of days and you can get funds in your account in a matter of a week or two. How do you do it? It starts with just a simple phone call — contact us today to get started!

It's a Builder's Market Now — Get Spec Home Financing to Cash In Now

You've probably seen the headlines. The construction industry is struggling to keep up with the demand for new homes across the country. How can you use this to cash in? Arizona Spec home financing!

There's a housing crisis going on in America that's reaching nearly historic proportions. In fact, in the 60 years or so that these kinds of stats have been kept, new home construction is at the lowest level we've ever seen, according to The Wall Street Journal. In 2018, we fell short of the goal by 300,000 units. And it's not for lack of demand; people are looking for new homes and just can't find them. It's just a matter of not being able to keep up.

So there's no question about it, there's plenty of opportunities to make money here. Here's the problem: getting funding for a spec home can be tricky. Banks and big financial institutions like to play it safe so they are hesitant to take a risk on endeavors like that, especially bare lots of land. That's even truer if the builder has any kind of stain on his or her record; a foreclosure, a short sale or bankruptcy will have most traditional lenders turning heel and heading for the hills.

Getting Spec Home Financing from Hard Money Lenders

So who is willing to take a chance on spec home builders? If you're looking to build a spec home and the banks have said no (and even if they haven't), a hard money lender might be your best bet. Since collateral is used to secure these types of loans, your financial history and credit scores are of less concern. What is important for Arizona spec home financing is the current market value of the land, the location of the lot, your experience in the business and what you plan to do with the land.

Spec Home Financing in Arizona

Here's another advantage to going the hard money route for Arizona spec home financing: it's super fast. As a builder, you need to jump on an opportunity and keep to your schedule and hard money lets you do just that. Yes, Arizona Hard Money Loans come with higher rates, but many builders use them as a bridge to get their project off the ground before switching to more traditional funding. If you're looking for financing for your construction project, give us a call at Level 4 today to see how we can help!

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.