Private Hard Money Lender near me, financing your next Fix and Flip.

Hard Money Lenders Near Me

Welcome. We offer Private Hard Money Owner Occupied Loans in Arizona up to 80% LTV. 

Our Arizona owner-occupied hard money loans program makes it easy for you to get the new home you need despite not having credit, having bad credit, or even if you’re not from the United States. Owner-occupied loans have more specific requirements than investor loans and can benefit from our cross-collateral 100% LTV loan option.

Owner-occupied hard money loans are also considered Principle Residence Loans, alternative financing, and private money loans.

We continuously update on all regulations required to offer owner-occupied hard money loans.

Poor Credit, BK, Foreclosure, TIN Numbers, Self Employed YES, we can!


No Up-Front Fees and No Cost to Apply.


Quick and simple to Apply for an Owner Occupied Private Hard Money Loan

Reasons Why Borrowers Use Owner Occupied Loans using Private Money

Bad Credit

  • Hard to prove income
  • Dealing with a problem property
  • Cannot qualify for conventional or FHA/VA financing

Common Uses Of Owner Occupied Private Hard Money Loans Arizona

  • Buying a first or second home
  • Refinance an existing loan
  • Cash out for repairs or remodeling
  • Cash out for debt consolidation


Hard Money Owner Occupied Loan Program Options

100% FINANCING AVAILABLE if the borrower has another free and clear property or has a small mortgage about value (substantial equity) to pledge as additional collateral.

We are a Private Hard Money Lender in Arizona, making real estate loans to both Investors & Owner Occupants in Arizona.


We have no pre-payment penalties on our loans.


  • Down payment: 20-30%
  • Can accept co-signers
  • Allow seller carry back for the Down Payment
  • Up to 70% or 80% of the appraised value
  • Up to 100% financing with a 2nd free and clear property.
  • Interest Rates from 9.5% for Owner Occupied Private Hard Money in Arizona.

Requirements for Private Hard Money Owner Occupied Loans

  • Income verified – 3 months of bank statements or tax return.
  • BK, Foreclosure, INN, Self Employed YES, we can!

Apply for an Owner Occupied Hard Money Loan

If you want to see if you qualify for an owner-occupied hard money loan in Arizona, call Jamie at 623-582-4444 or fill out our loan application to get started.

What is an Owner Occupied Private Hard Money Loan?

These types of loans are considered consumer loans. This means they are for the individual homeowner, not an investor or corporation. These loans are for borrowers who will live in the home as their primary residence home. These are loans where the borrower will use the funds for consumer purposes, such as paying down debt, buying a boat, debt consolidation, or paying a tax lien. The funds are going to be used to help the consumer. When applying for a consumer Private Hard Money home loan, there are a lot of requirements that the lender must meet to ensure that the borrower fits the loan. These are recent requirements, but the main requirement is that the Private Hard Money Lender Lending for an Owner Occupied Homes needs to ensure that the borrower can make the payments. They call this verifying the ability to pay the loan. Since this is a Private Loan, these requirements are more accessible and relaxed than the traditional lender. Additionally, Arizona Private Hard Money for Owner Occupied Loans usually has a lower credit requirement. Another condition is that the loans must be ‘fully amortized over 30 years and cannot have a balloon payment. The advantages of a Private Hard Money Lender are that the loan is completed quickly, and the borrower can move fast. Typically, the lender is a private individual looking at the property and making a quick decision. Rates on loans are higher than on traditional loans

but usually range from 6-12%.

A few other reasons for a Private Hard Money Owner Occupied Consumer Loan:

  • Self-employed
  • Trouble documenting income
  • Inconsistent income history
  • Credit issues due to a recent loan modification, short sale, or foreclosure
  • Bankruptcy
  • The client already owns the home and needs to refinance, the purpose is consumer in nature, and there’s no purchase component.

Dennis Dahlberg
Level 4 Funding LLC
Hard Money Lender
Hard Money Loans
Hard Money Loan
Arizona Tel: (623) 582-4444
Texas Tel: (512) 516-1177
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

Equal Housing Opportunity. This is not a Good Faith Estimate or a Guarantee to lend and should not be considered. Costs, rates, estimates, and terms can only be determined after completing a full application. Actual payments will vary based on your situation and current rates. APR for loans ranges from 7.99 - 29.5% and is based on Credit Score, Down Payment, LTV, and Income. Mortgage rates could change daily. For more accurate and personalized results, please call 623 582 4444 to talk to one of our licensed mortgage experts. Terms and conditions of all loan programs are subject to change without notice. Level 4 Funding LLC, 22601 N 19th Ave Suite 112, Phoenix AZ 85027, 623-582-4444 NMLS 1018071 AZMB 0923961 This e-mail is for the exclusive use of the intended recipients and may contain privileged and confidential information. If you are not an intended recipient, please notify the sender, delete the e-mail from your computer and do not copy or disclose it to anyone else. Your receipt of this message is not intended to waive any applicable privilege. Neither this e-mail nor any attachments establish a client relationship, constitute an electronic signature or provide consent to the contract electronically unless stated by Dennis Dahlberg RI/CEO, Level 4 Funding LLC, in this e-mail or an attachment. To this extent, this message includes any tax or legal advice. This message is not intended or written by the sender to be used, and cannot be used, for legal or tax purposes or advice.
About the Author: Dennis has worked in the real estate industry for the last 40 years. He purchased his first property when he was just 18 years old. He quickly learned about the unique 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 two beautiful daughters and five amazing grandchildren. Dennis has been an Arizona resident for the past 40 years. 9 17 22