December 11, 2018
Try These 5 Tactics to Make Money with the Help of Arizona Hard Money Lenders
December 11, 2018


Arizona Hard Money Lenders are not shady looking lenders that conduct business in parking lots and restaurant bathrooms. But, when you hear, ‘hard money lender, that is what many people imagine.

As with every profession—there are always a few ‘bad’ that ruin it for the many ‘good.’ And example of that is police officers. They have a reputation because of a few bad apples—same goes for Arizona Hard Money Lenders. In prior years some lenders were loaning money to exceptionally high-risk borrowers. Arizona Hard Money Lenders have always used the borrower’s real estate as collateral. However, these past lenders were funding deals in which the likelihood was high they would foreclose on the properties.

Today, these types of lenders are no longer in the market. Unfortunately, the disgrace they brought continues to create a stigma for borrowers that would greatly benefit from working with Arizona Hard Money Lenders.


A Arizona Hard Money Loan is a short-term loan ranging typically ranging from six to twelve months, but can be extended up to five years. They are secured by real estate and funded by private investors. The monthly payments are interest only payments —and the final payment on the loan is where it is due in full.

Arizona Hard Money Lenders are concerned with the value of the borrower’s property versus the borrower’s FICO score and income. Arizona Hard Money Lenders are able to finance borrowers that banks have rejected. This is because Arizona Hard Money Lenders don’t have to follow the rigid guidelines that are set forth with traditional banks. Because they are private individuals they are able to set more flexible loan terms.

Not all deals will work with a hard money loan. For example, if a borrower has good credit-without foreclosures and bankruptcy—and is buying a primary home, a Arizona Hard Money Loan would not benefit them. They will be approved for a conventional mortgage with 15-30 year loan terms.

Investors use Arizona Hard Money Loans for various reasons.

Mainly because of the insanely fast approval.

When an opportunity arises an investor has to move swiftly so not to lose the deal. Applying for a loan with a bank can take up to two months to get funded—compare that to the ten days it typically takes a hard money lender to approve a borrower. In real estate, investors are competing and receiving a quick close will secure their deal. Arizona Hard Money Loans are most ideal for: land loans, Arizona FIX AND FLIP LOANs, construction loans in Arizona and any borrower with bad credit or a new job. Arizona Hard Money Lenders can ultimately work with any borrower that has enough hard-assets to back the deal. You can find a local hard money lender in your area by googling them or attending a real estate investor club meeting. Find a lender that you can create a long-term relationship with. The more deals you make and pay back, the better your interest rate and loan terms can become. They aren’t the scary loan sharks from the movies—they want to help. When you win, they win.

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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