60-Second Deal Triage

Underwritten strictly on property equity and cash flow. No tax returns or personal DTI limits.

Step 1 of 2 · Deal Qualification

Property Scenario Criteria

Select your basic loan parameters to check eligibility and leverage tiers.

1. Primary Transaction Objective *

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

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

DSCR 2nd Lien / CES (Cash-Out; Keep 1st Mortgage Rate)

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

5–8+ Unit Multifamily or Mixed-Use Commercial

2a. Property State *

2b. Collateral Type *

3a. Purchase Price (or As-Is Value) *

$

3b. Target Loan (or Rehab Budget) *

$

4. Estimated Mid-FICO Score *

720+ (Tier 1 Max Leverage)

680 – 719

620 – 679

Below 620

5. Completed Deals in Last 12–36 Mos (Flips or Rentals) *

0 Deals (First-Time Investor)

1 – 2 Completed Deals

3 – 5 Completed Deals

6+ Deals (Seasoned Operator)

Step 2 of 2 · Direct Contact

Where Should We Send Your Soft Quote?

Enter your direct contact to instantly connect with our strategy desk.

First Name *

Last Name *

Corporate / Professional Email *

Mobile Phone (For Instant SMS Updates) *

Borrower / LLC Entity Name

Business-Purpose Certification: I certify this request is 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 Capital Desk