Non-QM & Fix & Flip Loans for Real Estate Investors

Loan Factory · Non-QM Investor Lending

Your deal doesn't fit the box. Neither does our underwriting.

Helping Real Estate Investors Get Deals Dunn Loan Factory specializes in Non-QM investor financing — DSCR, bank statement, and asset-based programs — 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

Bank Statement & Full Doc 12M & 24M bank statement, P&L, or asset utilization · Up to $5M

DSCR HELOC & Second Lien Cash-out without touching your first mortgage · Up to $500K

Fix & Flip Loans Up to 100% LTC & 100% rehab · First-time investors welcome

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, bank statement, 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

Bank statement & asset-based Non-QM options

Close in an LLC, corporation, or partnership

First-time investors welcome on fix & flip

Up to 100% loan-to-cost 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, 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 9.49%

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

Bank Statement & Full Doc Non-QM financing for self-employed and non-traditional income.

Rates based on program & LTV

90% Max CLTV

620+ Min credit score

$5M Max loan amount

45–55% Max DTI

12 & 24 month bank statement, 1099, or P&L options

No tax returns required

Asset utilization qualification available

Owner-occupied, second home & investment eligible

No maximum cash-out on qualifying programs

View Bank Statement details

Compare all loan programs side by side

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

Bank Statement & Full Doc 14–21 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