Scale Your Real Estate Portfolio with Smart Leverage

Stop letting slow financing kill your deals. We combine Loan Factory’s industry-leading speed with deep educational insights to help you borrow smarter and flip faster.

We Have The Buy Box You’ve Been Looking For.

Most lenders have one box. We have them all. Whether you need 100% financing, low rates for prime borrowers, or a rescue loan for bad credit, we have a program ready.

Maximum Leverage: Keep your cash in your pocket with 100% Fix & Flip financing (100% of Purchase & 100% of Rehab).
Lightning Speed: Don't lose the deal. We have options that close and fund in as fast as 5 to 10 business days.
Experience Not Required: First-time flipper? We have programs specifically for you with 0 experience required.

What Are You Building Today?

Fix & Flip (The "Express" Lane)

High Leverage: Up to 100% of the Purchase and Rehab, up to 75% ARV (After Repair Value).
Cash Flow Friendly: No down payment options available for qualified borrowers.
Heavy Lifting: Financing available for heavy rehabs, ADU additions, and GLA expansions.
Loan Sizes: From $100k flips up to $3 Million+ jumbo projects.

Rental & Portfolio (The "Wealth" Lane)

DSCR Cash Flow: No income verification required. Qualify based on the property's rent, not your tax returns.
Long-Term Security: 30-Year Fixed rates available to lock in your cash flow.
Portfolio Growth: Consolidate 10-15 properties into single efficient loans.
Short-Term Flex: Interest-only options for 12-24 months to stabilize cash flow before refi.

Ground Up & Commercial (The "Pro" Lane)

New Construction: Up to 85% LTC for ground-up projects and additions.
Commercial Assets: Financing for Mixed-Use, Office, Retail, Warehouse, and Self-Storage.
Multi-Family: tailored solutions for 5-10 unit residential properties.

Think You Can’t Qualify? Look Again.

We specialize in finding "Yes" where other banks say "No."

Credit Challenges

We have "Fast50" programs with No Minimum Credit Score requirements for assets with high equity. FICO scores as low as 600 accepted for construction loans.

Foreign Nationals

Non-US citizens are welcome with up to 65-70% LTV options.

Limited Documentation

No tax returns? No problem. We utilize Bank Statement loans, Asset Depletion, and No-Doc options.

Entity Vesting

We lend to LLCs, Corporations, and Limited Partnerships to protect your assets.

What others are saying

"Mr. Dunn at Loan Factory. was a true professional. "

"He made the entire loan process incredibly smooth and stress-free.i appreciated his clear communication, quick responses, and expert guidance every step of the way. I would highly recommend his services to anyone seeking a reliable and knowledgeable lender."

- Lovely Kasheek

"I had the pleasure of working with Mr. Mitchell for my recent mortgage"

"I couldn’t be happier with the experience. From the very beginning, he exceeded my expectations in every aspect of the process. As a first-time Investor, I was nervous and unsure about the steps involved, but the team at loan factory made everything incredibly smooth and straightforward."

- Terrance T.

Ready to Fund Your Next Flip?