Hard Money Facts: What Your LTV Percentage Means
March 29, 2019
March 30, 2019


If you really want to do something, you will find a way. If you don’t, you’ll find an excuse.” — Jim Rohn

Arizona Hard money lenders are your “find a way.” If you have real estate investment dreams and traditional lending won’t work—don’t find an excuse, find a hard money lender.

Most people making a decision to test the waters of the real estate investing world don’t have extra money to simply buy property. Traditional bank loans typically don’t work for investors. Bank loan terms are long—usually ranging from 15 to 30 years. Real estate investors won’t have a property for anywhere near 15 years and so what purpose would a bank loan serve them?

Rookie investors often believe the bank is their best friend. Yes, it is true—bank loans have lower interests than pretty much any other lending option. However, not only will you be stuck with a 15 year mortgage—you will wait a minimum of 30 days for your loan to close. It is not uncommon that borrowers wait up to 90 days for their money. Now, that is just fine if you are buying your primary residence—that is the expectation the seller will have of you. Unfortunately, the sellers of properties that real estate investors are looking to buy won’t wait anywhere close to 30 days to get paid. To compete with all cash buyers you absolutely can’t wait around for a bank to approve you.


Because a bank is not typically the answer to a real estate investor’s financial needs, who is? Arizona Hard money lenders—also referred to as private money lenders—approve loans strictly for real estate. These loans are backed completely by property. All lending institutions need to have proof they will be paid back. Traditional lenders look at income and credit scores—this shows a borrower’s history of responsibility and ability to repay the loan.

Arizona Hard money lenders have a different approach. Although, they check a borrower’s credit and look into their financial situation—they do not base an approval on that alone. In fact, credit and income are a small category of importance when it comes to hard money lending. Their primary concern are hard assets—which means the property in question. In case of default on the loan the lender can simply repossess the property and sell it to generate the money lost. This is not what Arizona Hard money lenders want to do. In fact, they are generally very easy to work with. Unlike a bank where you are working with an entire team of people, most of whom you will never speak with, a hard money lender is one person. Investors and lenders have personal relationships. As long as you communicate with your lender they have the ability to be flexible. They just need to trust you.

Arizona Hard money lenders provide quick solutions to investors.

Not only will borrowers form a personal relationship with their lenders—as time passes and more deals are done they may easily see rates being reduced. Arizona Hard money lenders want these relationships with borrowers. Just as an investor wants to trust who they are borrowing from—the lenders wants to trust the person whom they are lending the money.

Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg


Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177


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.

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