How to Quit Your Day Job with Hard Money Loans Texas

If you are tired of the daily grind, it may be time to get out of the rat race for good. With hard money loans Texas you can make full time money as a real estate investor. You get to set your own hours, be your own boss, and have more control over your work life. 

If hanging out at the water cooler and discussing the office gossip over coffee while you make less than you're worth is becoming old, it may be time to look into hard money loans Texas. Texas hard money loans are a specific type of collateral based real estate loan that can help almost anyone get started in real estate investing. Real estate investing can help you make money and get you out of the office, for good. If this sounds like the job for you, keep reading to learn more about how hard money loans Texas work and how you can use them to your advantage.

Texas hard money  loans are cash loans given by private investors and investor groups. They are based on the potential value of the property you want to buy as an investment. You can usually borrower up to 80% of the property's value and you can use other property you own (like your home or another real estate investment) as collateral to borrow more than 100% of the investment property purchase price. This is great news for you because it means that with hard money loans Texas there is little to no money coming out of your pocket.

You can use hard money loans Texas to buy a fix and flip or other short term investment property. You can also use them as a short term bridge loan to help make up for capital that you are expecting soon. Really, the possibilities are limitless, unlike that cubicle job you have right now.

So, what are you waiting for? Get started with hard money loans Texas today!

Learn the ins and outs of Texas hard money by calling us at Level 4 Funding. We can walk you through the process and help you on your journey to building your real estate empire. Who knows, you may be the next Donald Trump.

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 
Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com

NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

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 38 years. They have 2 beautiful daughters 4 amazing grandchildren. Dennis has been an Arizona resident for the past 32 years.

Let's Get Technical: How to Cross Collateralize with Hard Money Lenders Texas!

Most hard money loans will only lend a percentage of the value of an investment property. Some investors may need more, if you find this to be you, ask your hard money lenders Texas about how you can cross collateralize with other assets to maximize your borrowing potential.

When you get a hard money loans through hard money lenders Texas, there are a few things you need to be aware of. Firstly, the loan process will be quick and have less paperwork than a bank loan. You can usually get your money in about two weeks, sometimes less depending on the lender. Secondly, the Loan to Value or LTV ratio will differ by lender as will interest rates so make sure you shop around to choose the best Texas hard money lender. Finally, you will be charged a higher interest rate on this short term loan because it is riskier for the lender. If you can sell the property quickly enough this won't matter and both you and your Texas hard money lender can make quite a bit of money.

If you are looking to purchase an investment property like a fix and flip, or rental property and have been denied a loan from a bank, don't give up hope just yet. With hard money lenders Texas you can probably still get the loan you need with less hassle and paperwork than a traditional mortgage. Texas hard money lenders base your loans on your assets and investment potential, rather than many traditional qualifiers like debt to income ratio or credit score.

However, while getting loan is usually easy, you need to keep in mind that most lenders will only loan a percentage of the property's value. The loan to value ratio, or LTV, is usually between 65 to 75 percent of the purchase price. So, if you want to buy a property for $200,000 you can expect to get a hard money loan for between $130,000 and $150,000. This means that you will need to have anywhere between 50 and 70 grand of liquid cash to invest in the property.

But, What if I Don't Have That Kind of Cash in The Bank?

You may be asking yourself if it is still even possible to purchase a fix and flip or investment property without having a big chunk of cash saved up. Well, with hard money lenders Texas, it is. If you need to borrow more than the LTV of the property, ask your Texas hard money lender about cross collateralizing the loan.

Basically, this means that you would use other assets or properties you own to make up for the difference in the LTV and what you need to borrow. So if your lender would give you $170,000 in a hard money loan, you could use another investment property or even your personal home to secure the remaining $30,000 that you need. This is most common in commercial hard money loans, but many hard money lenders Texas will also consider it for residential investments as well, for the right borrower.

Don't let a LTV ratio stand in your way! 

Call hard money lenders Texas today to make all of your investment dreams come true!

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 
Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com

NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

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 38 years. They have 2 beautiful daughters 4 amazing grandchildren. Dennis has been an Arizona resident for the past 32 years.

Knowledge is Power: What You NEED to Know About Hard Money Loans Texas

If you are a real estate investors or interested in getting started, you need to know about hard money loans Texas. Texas hard money is an alternative investment strategy for real estate investors that can help purchase investment properties. What you do with the property is up to you, but the longer you have the loan, the more interest you will pay. More interest means less profit so you are often best served by paying off the loan quickly. This makes hard money loans Texas ideal for fix and flips or fast cash needed for an auction.

If you want to learn more about hard money loans Texas, here are a few facts that you need to know before you try to obtain your hard money loan.

• Hard money loans Texas often have higher interest rates than traditional loans. This may seem like a deterrent at first, but remember they are designed to be short term capital loans. If you have a plan to pay the loan off quickly, the interest will hardly even dip into your overall profit. 
• Get your hard money loan from a reputable hard money lenders Texas. There are a lot of investment scams out there so make sure to do your homework and choose a reliable lender. 
• You can use hard money loans Texas for a variety of purposes. Buying a fix and flip, a vacation rental, or other income property are just a few. You can also use hard money loans Texas as short term business loans when you need cash quickly for an unexpected expense. 
• Credit scores are not important for hard money loans Texas. In fact, hard money lenders Texas hardly even look at your credit history. They care more about your investment plan and the potential to make money. 
• Debt to income is not as stringent with hard money loans Texas. This is really good news for investors who may have a few properties. Banks will often disqualify investment properties based on what you owe on other real estate debts. This is not always the case with hard money lenders Texas. 

Once you are ready to start your investment journey with hard money loans Texas, be prepared to have you life changed. You can make huge profits and may even get to quit your full time job in favor of being a real estate mogul. That sounds pretty nice, doesn't it? 

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 
Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com

NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

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 38 years. They have 2 beautiful daughters 4 amazing grandchildren. Dennis has been an Arizona resident for the past 32 years.

Danger! Buyer Beware! 3 Ways To Risk Less With Hard Money Lenders Texas

Hard money loans Texas are private money loans funded by hard money lenders Texas. The loans are given primarily to real estate investors to purchase properties they intend to use as a way to make money. The lender makes interest and earns their principal back and the borrower makes a profit on a smart investment. There are less regulations and a lot less paperwork than traditional loans and you personal finances don't matter nearly as much as they would at the bank. Sounds great, right? Well, hard money loans Texas are a great way to make money and are a relatively safe investment. But, any investment has some risk. Here are 3 ways to risk less on your Texas hard money loan.

1. Choose hard money lenders Texas wisely. Not all investment firms or mortgage brokers are created equal. There are people out there who just want to scam you out of interest. Look for a licensed broker or equity firm to fund your investment. Make sure your loan officer is knowledgeable about alternative funding and specifically hard money loans Texas. 
2. Ask lots of questions. Ask about interest rates, loan to value ratios, time frames, and any other concerns that you may have. Your hard money lenders Texas should be able to answer all of your questions in detail and give you the peace of mind you need to go forward with the investment. If you feel unsure, keep asking or shopping around for a new lender until you are confident. 
3. Do your homework. Before purchasing any property make sure that you have a plan. Get the home inspected and appraised. Remember that location matters and try not to overspend on repairs. Have a budget and timeline worked out before you begin your project. Not only will this make sure that you make a smart investment, but it will also impress your hard money lenders Texas that you have a solid game plan in place. This will make it more likely that you will get the hard money loans Texas that you need. 

Once you have your loan in place, there is still one major risk with Texas hard money loans. They are addicting! Once you have a taste of fixing and flipping a property, there is a huge risk you won't be able to get enough and will keep doing it. But rest assured whether your real estate investment is a one time thing, or a way to make steady income, hard money lenders Texas will be there when you need them!

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 
Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com

NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

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 38 years. They have 2 beautiful daughters 4 amazing grandchildren. Dennis has been an Arizona resident for the past 32 years.

How to Make Your Retirement Dreams Come True With Hard Money Loans Texas!

When it comes to retirement savings, most people know the basics, 401ks, 457s, 403s, stocks, bonds, and many more options. But, did you know there are several disadvantages to these traditional options. Namely, they are dependent on the stock market, which we all know can be fickle, to say the least.

With ups and downs in the market, many folks are finding that they are losing their retirement savings. Take the story of one of my employees, for example. Her husband is a fire fighter with the majority of his retirement savings in a 457 fund. This quarter, they LOST $20,000. Now luckily, they are young and have time to make that money back, but all I could think when she was telling me this was how much better off they would have been investing in hard money loans Texas. 

You are probably thinking why, what makes hard money loans Texas a better retirement option than many traditional plans? Well, the answer is simple, hard money loans Texas are not dependent on the stock market and don't fluctuate from day to day as drastically. This is because hard money loans Texas are a real estate investment which is generally more stable since it is not affected by an earthquake in Brazil or the quality of the air in China (seriously, these things can and do tank the stock market). 

If my employee and her husband had used that twenty grand as a down payment for a Texas hard

money loan, they could have worked with Texas hard money lenders to fund the rest of the capital for a real estate purchase. They could have purchased a fix and flip property, vacation rental, or even a long term rental property. These would have made them money as either a fix and flip or long term monthly income. Either way, I guarantee they would have made well more than $20,000 and lost nothing if they made a smart investment. Much better than waiting and hoping there isn't a nuclear power plant meltdown in Japan. 

When you are investing in hard money loans Texas, it is important to keep a few things in mind to help minimize your risk and maximize your profit. Always work with professional Texas hard money lenders who have experience with hard money loans Texas. Each state has different regulations so having a lender who knows the laws in Texas is key. Also, make sure to work with a real estate agent who knows his stuff when you buy the property and always do your due diligence as far as appraisals and inspections go. 

If you work hard, you may find that hard money loans Texas are not only a great way to supplement your retirement income, but may also become a full-time job and passion.

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 
Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com

NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

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 38 years. They have 2 beautiful daughters 4 amazing grandchildren. Dennis has been an Arizona resident for the past 32 years.

Texas Hard Money Lenders Can Make YOUR DREAMS Come True!

If you dream of having a lucrative career as a real estate mogul, you need to start thinking about Texas hard money lenders. Texas hard money lenders are investors, equity firms, or mortgage brokers who make it their business to loan capital to real estate entrepreneurs. You can use these loans for almost any real estate need from purchasing a fix and flip property to making a down payment on an investment property you plan to rent, or even as a down payment on a vacation property you are going to rent out.

Really, with Texas hard money lenders, the sky is the limit! If you want to get serious about turning you dream of become the next real estate success story into a reality, it is time to start finding some reputable Texas hard money lenders. Here are a few tips to keep in mind during your search:

• Come in with a plan. Texas hard money lenders are not giving you a gift, they are giving you a loan. You need to tell them how you plan to make money for yourself and for them. Have realistic values and a timeline for your investment.
• You will pay higher interest rates. Hard money loans Texas come at a higher price than most traditional loans because they are a greater risk for the lender. Plan to pay off the loan quickly to save money on interest.
• You will get your money quickly. Often it takes as little as two weeks for you to get cash in your hands. 
• Your FICO score doesn't matter. Don't sweat it if you have less than perfect credit. The value of your investment is more important than your personal finances. 
• Get ready to have you life changed. Once you start using hard money loans Texas to invest in real estate, you won't want to go back to your 9 to 5 again. Find Texas hard money lenders you can trust to keep doing business with. 

When you are ready to take the plunge into investing with hard money, give our office a call. We can get you started and help you change your life!

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 
Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com

NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

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 38 years. They have 2 beautiful daughters 4 amazing grandchildren. Dennis has been an Arizona resident for the past 32 years.

How to Make Money and Be Your Own Boss With Hard Money Loans Texas

For some people, the daily grind of punching a time clock and working in a cubicle is just fine. For others, it can be pure torture. If you are the latter, it is time to start looking into hard money loans Texas as a way to make money with real estate investments. This will let you be your own boss and get off the hamster wheel for good.

When it comes to hard money loans Texas, the best place to start is with Texas hard money lenders. Texas hard money lenders specialize in alternative funding for investors and hard money loans. A hard money loan is cash loan that is funded by a group of investors. The loan is underwritten by a mortgage broker so it is safe. Hard money loans Texas are meant to be short term loans that can be used to fund real estate investments (although there are other ways to use them too).

Once you have found a lender for your hard money loans Texas, you need to find a property. One of the best ways to make money is to purchase a house that you can "fix and flip." Choose a home that has the potential to build equity quickly so you can make the largest possible profit. In many cases, you can even get some extra capital with your hard money loans Texas that can be used to do many of the repairs and cosmetic fixes for the house.

When you are looking for a property, here are a few things to keep in mind:

• Location. Texas hard money lenders know that location matters. Choose a great block with good schools. Then, find the worst house in the neighborhood.
• Don't shy away from foreclosures, short sales, or bank owned properties. Sometimes these may take a bit longer to close but you can usually get a good deal. And having cash in hand from your hard money loan means that you can usually close more quickly than you thought. 
• Get a home inspection. You know there will be issues, just make sure that there is nothing that will be too expensive to fix. A home inspection can help find any hidden issues and help you develop a realistic budget. 
• Hire pros. Don't try to do the entire house by yourself. Know when you need to find a handy man, plumber, or tile guy. And make sure to keep them on speed dial.
• Price the home right to sell quickly. This will help maximize your profits while minimizing the amount of interest you have to pay on your hard money loans Texas. 

That's it. If it sounds easy, that's because it actually is. Once you get the hang of using Texas hard money loans to invest in real estate, it will quickly become your passion and full time job. No more corporate ladder for you. It's time to be your own boss. 

Dennis Dahlberg
Broker/RI/CEO/MLO

Level 4 Funding LLC
Arizona Tel:  (623) 582-4444 
Texas Tel:     (512) 516-1177 
dennis@level4funding.com
www.Level4Funding.com

NMLS 1057378 | AZMB 0923961 | MLO 1057378
23335 N 18th Drive Suite 120
Phoenix AZ 85027

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 38 years. They have 2 beautiful daughters 4 amazing grandchildren. Dennis has been an Arizona resident for the past 32 years.