Why Don’t Most Lenders Offer Owner Occupied Hard Money?
January 19, 2021
Bad Credit? How Arizona hard money loans can help
January 20, 2021


For some time it was difficult to run an Airbnb in the state of Arizona. However, thanks to Governor Doug Ducey, and the Arizona state lawmakers, residents of Arizona have a new possibility for financial growth.

Arizona lawmakers were worried about residents buying up property and turning the “house next door” into a hotel. Fortunately, for real estate investors the new laws were passed early last year and there are no limits to the number of properties that an investor can buy; add to that— there are no days that the home cannot be rented out. This means an investor can buy numerous homes on a street and potentially make the entire street Airbnb.

When it comes to potential income for Phoenix residents—the sky is the limit. Phoenix hosts MLB Spring training, Waste Management Phoenix Open, Barrett Jackson—add to that being the home of four professional sports teams and a division one college. That being said, Phoenix has thousands upon thousands of visitors each year.


1. Understand Rental Arbitrage— When the potential for profit is significantly higher than what it cost you to obtain that is called opportunity. Rental Arbitrage is when your achievable daily rental rate is obviously much greater than your actual daily rental cost. Every city will have this and it is important you do your homework for your market.

2. Be Realistic About Your Investment In Time—Unfortunately, you don’t just buy a property, list it and the money starts pouring in. This is business that will take some time to build. The key is in your reviews.

3. Find A Property—It is important to find property near places tourists would want to live. In Arizona a superb property would be in Sedona. If you are in Phoenix look towards Westgate— where the Cardinals are located, North Scottsdale, Old Town or Tempe. Make sure you research the annual events that will bring your customers to you.


The financing is always the tricky part when it comes to investing in an Airbnb. Although, it can be difficult finding funding for your Arizona Airbnb it is possible. Banks are watching carefully how properties are being used when it comes to approving new mortgages and refinancing existing ones. Mortgages that operate as rentals are riskier investments for banks than primary residence. The bank needs to feel confident that during times of vacancy the owner will be able to pay the mortgage.

An Arizona Hard Money Loan is a loan backed by the borrower’s assets versus their credit and monthly income. Arizona Hard Money Loans are easily approved sometimes within minutes—the borrower will have an approval usually within 24 hours and typically have their funds within two weeks. The borrower must have documents proving the value of their assets and that they are the legal owners. Arizona Hard Money Loans are short term loans usually ranging from one to five years. After the loan terms are up usually, they can be transitioned to a mortgage through a traditional bank.

If an Airbnb is something you have been interested in, find a property and make an appointment with a local hard money lender to get you on your way to financial freedom.


                                                                                                                                         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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