I’m Ryan Jones and Klint McKinney, founders of Life Changing Lending. We are a nationwide direct lender using proprietary AI technology to make real estate financing simple, fast, and creative. We have over 40 Loan Officers that specialize in 100% Financing Fix and Flip Loans, DSCR, and new construction deals — and we love tackling the kinds of deals other lenders won’t touch. What sets us apart is how we underwrite and structure deals: Up to 80% LTV cash-out financing (many lenders cap at ~75%) No seasoning requirement — ARV can be counted within 60 days of purchase or even 1 day after rehab 100% financing available on many fix & flip projects with rolling in the closing cost and no monthly payments for 12 months! Accept rural and nontraditional markets with no leverage cuts Flexible payment structures (deferred / interest-only):   • Fix & flip / rehab loans — no monthly payments for up to 12 months   • New construction — no monthly payments for up to 24 months High LTC (loan-to-cost) on new builds — up to 92.5% and no payments for up to 12 months AI underwriting and deal-structuring engine that helps us assess tough deals, underwrite faster, and offer creative financing solutions Full suite of products — we don’t just do flips and construction. We also offer FHA, VA, and conventional / traditional home loans, down payment assistance, and support for first-time buyers Because we control both tech and capital, we can make decisions quickly, tailor terms, and help investors scale without being hampered by rigid bank rules.Contact / Call to Action