Why Many Arizona Hard Money Lenders Don’t Do 90% Arizona Hard Money Loans and We Do

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Why Many Arizona Hard Money Lenders Don’t Do 90% Arizona Hard Money Loans and We Do

Some Colorado Hard Money Loans out there just draw a red line and refuse to do 90% Arizona Hard Money Loans, regardless of the circumstances. Here’s why we’re different.

Before we unwrap this headline, let’s get one thing a couple things of the way because some of you may be wondering what a 90% even means with a Arizona Hard Money Loan. Others might even be wondering what a Arizona Hard Money Loan is. Here’s the quick version for both:

Texas Hard Money Loans are loans that are secured by collateral and use private funds, which allows them to exist somewhat outside the traditional lending system.

When we talk about 90%, we’re discussing 90% loan-to-value ratio (LTV). Loan-to-value ratio is the value of the loan you’re asking for versus the value of the property you’re buying. To make the most basic example, let’s say you’re buying a property that’s worth $100,000 and you would like a loan for $90,000. Your LTV is 90. In other words, you’re borrowing 90% of the funds for the property. With those explanations out of the way, let’s move on.

90% Texas Hard Money Loans Do Exist

Some Arizona Hard Money Loans are reticent to offer 90% Arizona Hard Money Loans, and for obvious reasons. The more money they put up compared to the value of the property, the more they stand to lose. Lending money is all about assessing the risk, and many lenders just prefer to play it as safe as possible.

At Level 4 Funding, we see things a little differently. Yes, we do risk assessment, and we don’t hand out 90 LTV loans to everyone who walks in the door, but we are willing to hear our clients out when the conditions are right. Let’s say someone comes to us with a high-risk opportunity for a fix and flip. They’ve got some experience in the game, their plan is solid, and they’ve got a passion for the project. Rather than send them packing, we are willing to see the high reward in the high risk and work out terms that can help that person’s dream come true.

Getting a 90 LTV at Level 4 Funding

We have extensive experience in Gilbert and have funded projects all over Arizona and beyond. We do up to 90% Texas Hard Money Loans and up to 100% for rehab costs if you’re doing a fix and flip. Our rates are some of the lowest in the business and, best of all, we’re just a phone call away. Let’s talk!



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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