Direct Hard Money Private Lenders
90% Hard Money Loans in Arizona

How much do you need?
Over $40,000,000 Funded

All of Your Funding Problems are Solved Here!
Get the Lowest Possible Rate Term Guaranteed

Residential From 7.99% APR*
Fix & Flip 90% LTV with 100% of Rehab*

If You Are Not Using Level 4 Funding You’re
Probably Paying Way Too Much

That’s It! The Stress is Gone
No More Begging, No Jumping Through Hoops
No Tax Returns, No Pay Stubs or No Credit Required
No UP Front Fees - No Junk Fees

More Real Estate Investors Became
Millionaires and You Can Too
Do Real Estate Investing and Take Over the World

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We Specialize in 90% Hard Money Loans in Arizona

 No More Begging

No Jumping Through Hoops

No Tax Returns

 No Pay Stubs*

 No Credit Required

 No Up Front Fees or Junk Fees

Flexible Terms From 3 to 60 Months

 Fixed Rate From 7.99% APR*

Up to 85% As-Is Value, 100% of Rehab Costs

Commercial/Construction Loans

Business Loans/Fix&Fip Loans

 Trust Deed Investing

Hard Money Lender 90% Hard Money Loans in Arizona

Do What Everyone Else Is Doing Start Making Money

If Your’re Not Using Level 4 Funding

You Are Paying Way To Much


Cash Out Hard Money Loan
Loan Amount $1,850,000
Home Value $4,000,000
LTV 46% Scottsdale, AZ

Cash Out Hard Money Loans
Loan Amount $3,000,000 @9%
Home Value $4,850,000
LTV 61% Beverly Hills CA


Construction Hard Money Loans
Loan  $185,000 @ 9.5% 24 Months
Home Value $275,000
Prescott Valley AZ

  • Paul Nordini
    “Top notch loan broker. who was awesome, quick, prompt, and most importantly, delivered. I would say don't even waste your time with another broker - these folks get the deal done, period. As a lawyer, they have helped me and many of my clients with a can-do attitude, and professionalism that is unmatched. A definite recommendation.”
  • Roger Johanson
    “I was working with a hard money lender (OF) for the past ten days. 24 hours before my loan was supposed to close they called me and told me they were lowering my loan amount by 15%. I called Mark G at Level 4 Funding and told him the situation. If you want work with someone honest and professional call Level 4 Funding today.”
    Roger Johanson
  • Rick Carrol
    “After hearing, the good things about this company, I think they are on top of their game. I will keep recommending people I know in Arizona to level 4 Funding.”
    Rick Carrol

Can You Really Get 90% Hard Money Loans in Arizona?

Many lenders set conservative limits to reduce their risk, but 90% Hard money loans in Arizona still exist. Learn how to find them and what the approval process entails, so you can maximize your opportunity.

When people refer to 90% Hard money loans in Arizona, they usually mean one of two things; the loan to value (LTV) or after repair value (ARV).

The LTV is calculated by taking the amount borrowed and dividing it by the value of the asset. For example, if a property is appraised at $100,000 and the amount borrowed to purchase it is $90,000, the calculation would be 90,000 ÷ 100,000, which works out to 0.9, or 90%. LTV is used frequently to determine the amount offered by a lender.

On the other hand, ARV is occasionally used in lending, namely with distressed property. Naturally, it references what a property is expected to be worth after a flipper has competed work. Calculating it can be a bit of a challenge because you need to know what the property is worth at the onset, determine which repairs will be made, and then determine what the value of the repairs are. This is usually done with a comparative analysis; by looking at the value of similar properties in the area with the same features which have sold in the past 6-12 months. As an example, if a property will likely sell for $200,000 and you borrow $180,000, this would be 90% as well. However, few lenders will use this as the basis for calculating the amount offered, and on the occasions they do, most max out well before 80% ARV. Despite lenders not using this to determine the amount offered often, it’s essential to know the ARV in order to determine the amount you stand to profit from a fix-and-flip. Lenders like to know the ARV because it shows you’ve done your homework and that their investment is solid, but it is only an estimate, not a guarantee of value.

If You Can Demonstrate Lenders Risk Less with You, You’ll Get More

To summarize, 90% Hard money loans in Arizona aren’t really seen in ARV, but you can sometimes find them with LTV. It’s a substantial amount which means there’s little room for error. Because of this, lenders will want to know why your project is going to be a win-win situation. They’ll consider your experience, your plans, your calculations, and your credit will matter to some degree as well. That’s not to say you can’t get funds with rotten credit—you can, but there’s a balance between the risk you present and how much funding you’ll receive. One way to mitigate this and make sure you get enough funding, particularly if you’re new to fix-and-flips or don’t have a strong track record, is to make sure you’re purchasing properties for significantly less than they’re worth. This is easy to do when homes go up for auction, when a significant amount of work needs to be done, or when a seller needs to move fast.

An experienced broker can help you find out what you qualify for.

If you’re interested in 90% Hard money loans in Arizona, talk with a broker who has been in the industry for a while and can give you information about what amount you’ll likely qualify for or what you can do to make sure your project looks solid and appealing to investors. That way, you can maximize your loan amount and get all the funding you need.