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When you ask a person interested in real estate investing why they haven’t done it yet— the most common reply is they don’t have enough money.

People see that real estate can give them a comfortable life and that there are many successful real estate agents, but so many people are held back due to money issues.

Well, myth busted! It is very possible for an investor to have multiple deals going on simultaneously and never have any of their own money in the deal. There are a multitude of lenders out there that want to lend you their money for this exact purpose, as long as they know it is a safe investment.

These lenders are called Arizona Hard Money Lenders. These lenders aren’t worried about how much money you have or your employment history. They are interested in you finding a distressed property that you are willing to rehab and sell for a profit. They receive their profit from the interest they charge.


Arizona Hard Money Lenders lend use an After Repair Value (ARV). ARV is what the house will value at following renovation. Arizona Hard Money Lenders will typically finance at least 70% ARV.

Let’s say you find a property for $50,000 purchase price. Once it’s been inspected you find out it has about $20,000 worth of repairs. You need a loan for $70,000, right? Ok, but how much will it sell for if you borrow $70,000. Once it is appraised for its’ ARV you discover you will be able to sell it for $110,000.

The hard money lender will lend you 70% of the $110,000. You will be approved for $77,000. That’s $7,000 more than you need, right? Well, maybe or maybe not. That $7,000 could go toward more materials. Or maybe you could hire a contractor to help you with the repairs. Whatever it is, take the “extra” money. More than likely you will need it. What you just received was an Arizona Fix and Flip Loan with no money down.

What if you need more money for repairs? Arizona Hard Money Lenders will finance those extra repairs, as well. These are called “draws.” A draw is money financed for a certain repair. Once the hard money lender has received the proof they deem necessary concerning the repair the borrower will receive a check.

The general public doesn’t realize that you can go into real estate investing using someone else’s money.

Fix and flips are growing as the fastest way to make a profit. Don’t miss this train. If you have considered jumping into the real estate game, this is the time to do it. Please contact us at We would love help you get started

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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