December 1, 2019
December 4, 2019


Lina was a divorced mother of three living paycheck to paycheck until she started flipping houses. Here is her story.

In March of 2009 Lina Jerome’s life felt like it was falling apart. Her husband had left her and their 3 daughters. Not left as in living in separate houses—left as in left the country not to be heard from again.

Lina had worked as a teacher’s assistant and her husband had been the bread winner. After he had left her financial world began to crumble. All three of her girls were in different extra-curricular activities and all three went to different private schools. She had to pull them all out of their schools and return them to public schools. Many dinners were Top Ramen and grilled cheese. Times were tough, and as Lina looked toward their future she didn’t see change coming.


After months of struggling and worrying Lina saw a “We Buy Ugly Houses” flyer on her front door. Her house wasn’t ugly, but Lina was curious about the sign. When she inquired, she was given the run down on flipping houses. She figured she could flip houses. And she did. Her bank would not finance her due to her present financial issues and her lack of monthly income. Traditional banks are less than comfortable lending you money while you transition financially.

After being turned down by her bank of 20 years, she found a private lender, also known as a hard money lender. In April of 2010 she found a perfect property. Then price tag was $109,000—with about $6,000 worth of rehabbing. Lina was approved for $116,000 Arizona Fix and Flip loan within 15 minutes; her funds were dispersed in 13 days. She worked with a contractor and had the house rehabbed within 6 months. During that 6 months she paid only interest on the loan. The newly renovated home went on the market and was sold within a week. Lina’s loan was $116,000; she sold the home for $205,000—making Lina an $89,000 profit in less than 7 months. After paying the interest on the loan, the fees associated with the loan and her contractor she still walked away with close to $50,000 in profit. Not only did this change Lina and her daughters’ lives completely, she found that she loved waking up and going to work each day. Today Lina flips three to four houses a year and averages close to $200,000 in profit.

Yes, Lina’s story is inspiring—but I don’t have the money to do that and I definitely don’t have the credit to flip houses in Arizona.

That is the beauty of a hard money loan. It is an asset backed loan; the lender is far more concerned with your hard assets than your revenue stream or credit. If the borrower defaults on the loan the lender has the option to foreclose on their assets (mainly real estate). Where there is a will there is always a way- you can flip houses in Arizona. Find an Arizona local hard money lender and start making your financial dreams your financial future.


                                                                                                                                         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:  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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