Loan Factory · Non-QM Investor Lending
Your deal doesn't fit the box. Neither does our underwriting.
Helping Real Estate Investors Get Deals Done Loan Factory specializes in Non-QM investor financing — DSCR and DSCR HELOC — plus fast fix & flip capital. No tax return nightmares, no bank red tape, just underwriting built around how investors actually qualify.
620+ Min FICO on DSCR
No Tax Returns Qualify on cash flow
$5M Max loan amount
7–14 Day closings on Fix & Flip
DSCR Rental Loans Qualify on rental income · No tax returns · Up to 80% LTV
DSCR HELOC & Second Lien Cash-out without touching your first mortgage · Up to $500K
Fix & Flip Loans Up to 100% Purchase & 100% rehab · First-time investors welcome
Bridge Loans Buy before you sell · Access trapped equity · No sale contingency
Why Loan Factory We built this for investors — not traditional homebuyers.

Most lenders are designed around W-2 borrowers , owner-occupied homes, and 60-day timelines. That doesn't work for real estate investors who move fast, operate through entities, and have income that doesn't show up neatly on a tax return.

Loan Factory was built specifically for investors . Every Non-QM program — DSCR, bridge loans, and fix & flip — is designed around how you actually operate, not how a bank expects you to look on paper.

7–14 Day average closing
100% Investor-focused loans
$5M Max loan amount
Loan Factory advantage
No tax returns or income docs required on DSCR
Bridge loans to buy before selling without contingencies
First-time investors welcome on fix & flip
Up to 100% of purchase & rehab on fix & flip
DSCR loans down to 0.75 coverage ratio
Cash-out via DSCR HELOC & second lien
Dedicated loan officer from application to close
Us vs traditional banks
Loan Factory
7–14 day close
No income docs
LLC & entity OK
620+ FICO
Traditional bank
45–90 day close
2 years tax returns
Personal only
700+ FICO
01 Speed that matches the market
Investment deals don't wait. Our streamlined underwriting and dedicated investor team means term sheets in 24 hours and closings in as little as 7 days.
02 Programs built around your deal
Fix & flip, DSCR rentals, bridge loans, bank statement, and DSCR HELOC — each program is designed around how investors actually structure and operate their deals.
03 We look at the deal, not just you
Complex tax situations, multiple properties, first-time investors — we underwrite the asset and the opportunity, not just a credit profile.
See if your deal qualifies in minutes No commitment. No lengthy application. Just fast answers.
Investor loan programs The right loan for every deal Non-QM programs designed around how you actually operate — not how a bank expects you to look on paper.
Fix & Flip Short-term financing for investors who purchase, renovate, and resell.
Rates from 8.99%
100% Purchase financing
100% Rehab financing
$2M Max loan amount
650+ Min credit score
First-time investors welcome
12 month terms with extension options
No tax returns or income docs required
LLC & entity friendly
Closes in 7–14 business days
View Fix & Flip details
DSCR Rental Long-term financing for buy-and-hold rental investors.
Rates based on DSCR & LTV
80% Max LTV
0.75 Min DSCR ratio
$3M Max loan amount
620+ Min credit score
No tax returns or income docs required
Short-term rentals (Airbnb/VRBO) eligible
30 & 40 year fixed terms available
Interest only available up to 80% LTV
Cash-out via DSCR HELOC & second lien
View DSCR details
Bridge Loans Short-term liquidity to buy your next property before selling your current home.
Rates starting at 8.5%
60% Max LTV
$1M+ Min loan amount
$30M+ Max loan amount
680+ Min credit score
Buy before you sell with no sale contingencies
12-month interest-only terms + renewal options
Access trapped equity prior to sale
Payments funded from interest reserves
Primary, 2nd home & investment properties
View Bridge Loan details
Not sure which program fits your deal? Tell us about your project and we'll match you to the right loan in minutes.
Simple process From application to funded in days Our investor-focused process eliminates the red tape so you can move when the deal is right. No income verification. No lengthy back and forth.
1
Submit your deal
Quick application with property and borrower basics. No lengthy paperwork upfront.
~5 minutes
2
Receive term sheet
Detailed terms including rate, leverage, and loan structure sent to you fast.
Within 24 hours
3
Underwriting
Fast appraisal and streamlined underwriting focused on the deal — not your income.
3–10 days
4
Close & fund
Sign at title and receive your funds. Move on your deal before the opportunity is gone.
7–21 days total
1
Submit your deal Quick application with property and borrower basics. No lengthy paperwork upfront — just the essentials to get started. Takes about 5 minutes
2
Receive term sheet We review your deal and send full loan terms — rate, leverage, and loan structure — typically within 24 hours of submission. Within 24 hours
3
Underwriting Fast appraisal and streamlined underwriting focused on the deal and the property — not your personal income or tax returns. 3–10 business days
4
Close & get funded Sign at a local title company and receive your funds. Move on your deal before the opportunity passes you by. 7–21 days total
Typical closing timelines by program
Fix & Flip 7–14 business days
DSCR Rental 14–21 business days
Bridge Loans 7–14 business days
What you'll need to get started
Property address and purchase price
Estimated rehab budget (fix & flip)
Current or projected monthly rent (DSCR)
Entity name if closing in an LLC
Basic credit and experience background
Loan Factory · Get started today
Have a deal in mind? Let's get it funded.
From DSCR rentals and fix & flip capital to fast bridge loans — buy before you sell with no tax returns and no red tape. Talk to a specialist today for fast answers from an investor-focused team.
Bridge loans to buy before selling Term sheets in 24 hours No tax returns required LLC & entity friendly
100% of purchase & rehab on fix & flip
7–14 Business day closings
$30M+ Maximum loan capacity
620+ Minimum credit score
Call us directly (270) 383 - 7500
Email us [email protected]
Schedule a call Book a deal review call