Wholesale Investor Loans | DSCR, Fix & Flip, Bridge

Asset-Based Loan Application

Underwritten strictly on property equity and cash flow. No personal tax returns, W-2s, or DTI limits.

Step 1 of 3 · Program Strategy

Select Loan Type

Choose the loan structure you want to configure.

What is your primary loan objective? *

DSCR Rental Purchase (1–4 Unit Long-Term/STR)

Fix & Flip / Rehab Bridge (Up to 90%–95% LTC)

DSCR 2nd Lien / CES (Equity cash-out; keep low 1st rate)

DSCR Cash-Out Refinance (1st Lien 30-Yr Fixed)

5–8+ Unit Multifamily or Mixed-Use Commercial

Property State *

Collateral Type *

Investor Track Record (Completed Deals in last 36 mos) *

0 Deals (First-Time Investor)

1 – 2 Completed Deals

3 – 5 Completed Deals

6+ Deals (Seasoned Operator)

Step 2 of 3 · Program Details

Property Financials

Provide the specific metrics required for your selected program.

Program: Custom Configuration

Subject Property Street Address *

Estimated Mid-FICO Score *

740+ (Tier 1 Max LTV)

700 – 739

660 – 699

620 – 659

Step 3 of 3 · Final Allocation

Borrower & Entity Vesting

Enter your legal closing entity and direct contact to finalize your review.

First Name *

Last Name *

Corporate / Professional Email *

Mobile Phone (For Instant SMS Updates) *

Borrower Vesting Entity Name *

Available Cash to Close & Reserves *

Business-Purpose Certification: I certify this transaction is solely for business-purpose, non-owner occupied commercial investment. I consent to receive transactional SMS messages from Loan Factory, Inc. at the phone number provided, including appointment reminders, application updates, and loan status notifications. Msg frequency varies. Msg & data rates may apply. Reply HELP for help or STOP to opt out.

By submitting, you authorize Oak & Iron Lending / Loan Factory, Inc. to review your scenario against wholesale program parameters. No hard credit inquiry is initiated without separate written authorization.

256-Bit Bank Encryption · No Hard Credit Pull · Direct Wholesale Pricing