Direct Hard Money Private Lenders
Trust Deed Investment Arizona

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

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We Specialize in Arizona Hard Money Lenders

• 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

Arizona Hard Money Lenders - Just Funded

Do What Everyone Else Is Doing Start Making Money

If Your’re Not Using Level 4 Funding

You Are Paying Way To Much

Hard Money Rental Purchase
Home Value $946,000
LTV 50% Scottsdale, AZ

Hard Money Cash Out Mortgage
Loan Amount $560,000
Home Value $999,450
LTV 56% Mesa, AZ

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

Apartment Hard Money Loans
Loan Amount $650,000
Value $1,250,000
LTV 52% Phoenix, AZ

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

Rental Hard Money Loans
Loan Amount $300,000
8.25% 60 Months
Sedona AZ

Rental Hard Money Loan
Loan Amount $450,000
8.0% 60 Months
Scottsdale AZ

Hard Money 2nd Mortgage
Loan Amount $42,000
18.9% 12 Months
Avondale, AZ

Cash Out Hard Money Loans
Loan Amount $320,000
12% - Closed in 3 days
Austin TX

Rental Purchase Hard Money Loans
Loan Amount $485,000
50% LTV
Scottsdale AZ

Hard Money for Lodge/Hotel
Loan Amount $1,400,000
8% - 58% LTV
New Braunfels TX

Hard Money For Cash Out/Refi
Purchase/Construction Loans Hard Money
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“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.”
Paul Nordini
“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
“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

It’s Fast

That’s It! The Stress is Gone
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No Tax Returns, No Pay Stubs
No Credit Required
No UP Front Fees - No Junk Fees

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It starts at 7.99% APR*

Our interest rates are very competitive starting at 7.99% APR*.

How to Get into Trust Deed Investment Arizona the Smart Way

Trust Deed Investment Arizona can help you grow your wealth quickly, but it’s not without risks. Learn about the potential pitfalls, so you can avoid them and make some serious cash.

When a loan is taken out for real estate, a trust deed or deed of trust is often used. It’s mandatory in some states, while others allow for this or a mortgage. The document indicates that the borrower and lender have an agreement and that a neutral third party is holding the property until the loan is paid back.

The lender gives the borrower money to purchase the property and, in exchange, the borrower gives the lender promissory notes tied to the deed of trust. Then, the third party, typically an escrow or title company, serves as a trustee and holds the legal title. The borrower ultimately remains responsible for the property and has full rights to obtain it. This is normally the natural course of things; the borrower pays his or her debt back and then receives the deed back from the trustee. However, if the borrower does not pay, the trustee takes control of the property. Unlike a typical foreclosure which requires a lengthy process, the trustee has a straightforward process that allows for the swift liquidation of the property and rapid repayment to the lender.

This in mind, trust deed investment in Arizona can be a great way to get substantial returns; often somewhere between 8-18%! However, it’s not without the potential for risk. For example, if the borrower defaults, you need to have a layer of protection which helps ensure you get your cash back. The servicing agent or trustee helps provide this, but it’s also essential to have terms built into the contract which compensate you for any potential losses due to the default.

Become Familiar with the Differences Between Factional and Whole Deals

One of the biggest differences in Trust Deed Investment Arizona is how many lenders or investors are involved. In many cases, people are investing in fractional deals. That means there are lots of people pooling their money together to fund a loan. While this does typically mean the individual lenders are risking less, it also creates issues if there’s a default and the investors must all move forward as a single unit. It can add onto the timeline considerably. With whole deals, there’s a single investor funding the entire loan. There are no other people to contend with when decisions need to be made and you can deal with issues swiftly.

Work with a broker but know how to evaluate a good deal on your own.

It’s important to have an understanding of Trust Deed Investment Arizona before you get into it, simply to provide reassurance that you’ve examined the deal with your own eyes and knowledge and that everything looks good to you prior to funding the deal. However, working with a seasoned broker is also advantageous, as they can help vet deals on your behalf and see to all the details as you move through the process. That way, you can continue reinvesting your funds and earning at a rapid pace.

What Are Arizona Hard Money Lenders?

Arizona Hard Money Lenders are private lenders who fund loans without the use of a bank or mortgage company. Unlike traditional loans hard money is secured by an asset rather than the borrower’s personal credit.

Arizona Hard Money Lenders are either private individuals or private business groups who loan borrowers funds for short-term loans. The biggest benefit of these private lenders is that the loan approval is based on the value of the property being used as collateral for the loan rather than the creditworthiness of the borrower. This opens up a great opportunity for borrowers who cannot meet the stringent loan qualifications of traditional banks and mortgage companies.

The term of most Texas Hard Money Loans is less than five years, making these loans perfect for real estate investors. The recent craze with property flipping has primarily been funded by Arizona Hard Money Lenders as they offer a simple application process and a fast turnaround on the approval and finding. Many banks can take up to several months to approve a loan application but Arizona Hard Money Lenders can approve and fund many loans in just about a week.

In addition to the fast funding, borrowers who have less than perfect credit look to hard money as a viable option for their funding needs. Being asset-based rather than credit based, many more borrowers can qualify for hard money. And because of their limited options for borrowing, they are willing to pay the higher rates charged for the hard money. In the end, it works out well for both parties involved as the lenders are being paid a higher interest rate for the increased risk of a borrower with a low credit score and the borrower has a resource that is less demanding than a bank.

Uses Of Arizona Hard Money

The first real estate deal that most consumers think of when hard money is mentioned is a fix and flip. These are very popular but there are other used for hard money as well. Homeowners who are facing a foreclosure but have strong equity in their home can use hard money to pay off the original mortgage and avoid losing their home. This allows the homeowner the choice of remaining in the home and finding a traditional mortgage to pay off the hard money loan or selling the home at a fair price and paying off the loan. The second option is far better than the foreclosure as the homeowner will keep any profit rather than turning it over to the mortgage company in the foreclosure.

Pros and Cons of Arizona Hard Money Lenders

There are pros and cons to every type of loan and even to every lender. Before selecting a hard money loan, it is important to do your research and find the lender who offers the terms and services that you need at the best rate. Easy applications, fast funding and lower credit requirements are all great but realize that these benefits come at a price that you must be willing to pay to use a lenders money.

Do Arizona hard money loans Work for Cash-Only/ As-Is Deals?

As you begin searching for your initial fix-and-flip deals, you’ll see quite a few ads that implicitly say the seller only accepts cash or that the property is being sold as-is. Generally speaking, Arizona hard money loans (HMLs) work well in these situations, though it’s important to consider the methodology behind the verbiage.

There are many reasons why sellers will list a property as-is or denote it’s a cash-only sale. Usually, it’s one of the following:

The property is in such ill repair that a bank won’t finance it. Oftentimes, the seller will mention that the home is “damaged.”
The seller needs to be free of the property quickly and can’t wait for someone to get approval. If this is the case, the listing may mention it is a “distressed” property.
The price or the value is too low for the property to qualify for a traditional mortgage.

In short, none of these situations really means that the seller requires you to have cash sitting around, but rather, the seller knows you aren’t going to get traditional financing and they don’t want to be bothered with offers that are contingent upon it. They don’t care whether your cash comes from your savings, if you borrowed it from family and friends, or if you’ve obtained an Arizona hard money loans; only that the sale won’t get held up by a bank.

Cash vs. HMLs: Which is Right for You?

There are benefits to going with cash when you can and there are benefits to leveraging Arizona hard money loans as well. If you’re using your own cash, then you’ll obviously have it tied up in the project for the duration, which can be problematic if you run into issues or come across another great investment opportunity while your money is already in use. However, if you have enough to cover it and feel confident you won’t need it, going with your own cash can be the cheapest way to fund a project. Borrowing from friends and family works along the same lines, but you’ll naturally have to be mindful of the repayment terms to avoid causing any issues. With an Arizona hard money loans, you do have to pay to borrow, but the fees can easily be paid for with profit when you manage a successful project.

Getting approval for cash-only properties is easy when you work with the right lenders.

If you’ve got a property in mind that’s listed as a cash-only or as-is sale, do your homework to ensure the purchase and rehab will be profitable. Spend time getting to know the property, what it has been appraised at, what challenges you’ll face when doing upgrades and repairs, and what similar homes in the area are selling for. Then, check with a broker to find out what terms you qualify for before approaching the seller. Armed with information and an approval in your back pocket, most sellers will jump at a fair offer, and perhaps even a low offer, regardless of whether your cash is coming from an HML or your personal bank account.

Direct Hard Money Private Lenders Trust Deed Investment Arizona