May 15, 2019
May 16, 2019


We have all made bad decisions in our lives; and the majority of these decisions most likely were finance related. And, unfortunately many times this will affect your credit. Does that mean you are destined to live paycheck to paycheck? Does it mean you will always be working your finger to the bone for someone else?

No, it does not. What is does in fact mean is that getting to the top may pose a harder challenge as your peers without credit issues. It means you will have to think outside the box. You may be forced to take a different path to success than you originally envisioned yourself taking. So, to reach your dreams you need three things: a dream, a good work ethic and money. Well, the first two sound relatively easy, but the third? That’s the wall many of us face when trying to build our dreams.

Do you want to buy a house? Have you thought about joining the real estate investing game? Or, do you want to start your own brick and mortar business? All of these ventures require a lot of money; which requires financing. So, where do you go? The bank! Oh, wait a bank won’t finance you. Right there is where the vast majority of dreamers give up. They give up and settle for mediocre jobs and live paycheck to paycheck. However, you don’t have give up. A hard money lender can help you.


You may have heard of Arizona hard money lenders. They are also referred to as private money lenders. They are organizations or individuals that are willing to loan their money to projects that they believe will make them a profit. They are simply investors. However, they invest using the real estate to back the loan instead of the borrower’s credit. Your loan amount will be based on the value of the property used as collateral.

Let’s take a fix and flip as an example. A borrower finds a home that is in need of a little TLC. They buy the property, rehab it and sell it for much more than the original purchase price. Even with outstanding credit most real estate investors use hard money for these projects for a variety of reasons. Borrowers receive approval and funding in less than two weeks. Approval is very easy; there won’t be hundreds of documents to find and send in only to be asked to send more verification and proof of assets, taxes and so on. And, these are short-term loans that typically do not carry early payment penalties. 

You may be asking yourself, “how does this work?” It’s surprisingly simple. Let us go back to that fix and flip. You find that house that needs some love. It’s purchase price is $100,000. You contact a hard money lender that will advise you on what they need from you. One thing they will need is an appraisal to determine the ARV (After Repair Value). The ARV is what the loan amount will be based off. After the appraiser looks at the home they determine after the rehab the house will be worth $175,000. Your hard money lender will typically finance up to 70% ARV. In this case the amount would be $122,500. That is $22,500 more than the purchase price. You will keep that amount to rehab  the property. Now, there is a chance that you will require more than $22,500. Good news! Your hard money lender will finance more for repairs.

Many people have a bad association with the term hard money lender.

These are just regular people that have money that are willing to look past your financial situation in order to make both you and themselves a profit.

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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