3 Approaches 100 LTV Arizona Hard Money Lenders Use to Get You Cash

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3 Approaches 100 LTV Arizona Hard Money Lenders Use to Get You Cash

Finding true 100 LTV Arizona Hard Money Lenders is tough. However, when you work with experienced pros, they’ll get you all the cash you need to fund a successful venture.

If you’re into real estate investing or just getting started, it’s important to maximize the cash you have on hand in order to make the purchase and cover any necessary repairs. Chances are, you’ll have a look around and find that there aren’t a whole lot of 100 LTV hard money lenders, meaning few offer 100% of the value of the property. Because they genuinely want you to be able to wrap up your deal and come back to them for the next one, usually around 60-70% of the property’s value is offered. In some cases, that’s just not enough to get a project off the ground. Relax. You still have options that can bump up your loan amount higher; perhaps even to the 100% mark.

1. Cross-collateralization. Let’s say you want to purchase a property worth $100,000 but only got approved for 60% of the value of the property (60% LTV), which equates to $60,000, and you know you’re going to need to sink $40,000 into it in order to do repairs, but at the end, you know it will sell for $150,000, netting you $50,000 in profit. Ultimately, that $60,000 loan isn’t going to cut it unless you’ve got $40,000 of your own cash to do the repairs with. This is where cross-collateralization comes in. You can use another asset as collateral on the loan, ultimately securing 100% of the necessary funds.

2. 100% of rehab. If you’re able to get your hands on at least some cash to cover part of the purchase price, you may be able to secure a loan that covers the full amount of your rehab expenses and up to 90% of the purchase price.

3. Negotiation. One of the benefits of going with hard money is that you can close much faster than you would with a conventional loan, which can work to your advantage if you’re negotiating with a motivated seller. Instead of trying to take out more loans, whittle that sales price down by pointing out to the seller that he’ll be free of his junky house in no time if he’s willing to work with you on price. Remember, typical loans are based on the value of the property, so if the property is worth $100,000 and you manage to get the seller down to $75,000, that’s money in the bank for you. It’s much easier to get 100% when you’re starting off with a screaming deal like this, and yes, those deals (and better) are still out there!

Let an Experienced Broker Help You

If you know the business well and have a good plan, an experienced broker can help you refine your pitch and get your project in front of the right people. 100 LTV Arizona Hard Money Lenders don’t work like banks because they’re not. In many cases, these are individual people betting on you and your project. When you win big, so do they, and each project they fund matters.

You can make your dreams come true and pay no upfront fees.

You don’t have to pay any cash to get started and your broker may be able to come up with solutions beyond what’s outlined here as well. You can get fully funded with 100 LTV hard money lenders, so take the first step and begin the path to success.



Dennis Dahlber Broker Ri CEO Level 4 Funding LLC
Dennis Dahlberg

Broker/RI/CEO/MLO

Level 4 Funding LLC 
Hard Money Lender

Hard Money Loans

Hard Money Loan

Arizona Tel:  (623) 582-4444

Texas Tel:      (512) 516-1177

Dennis@level4funding.com

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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