Level-Up Your Finance Game

When Your Capital Meets Smart Growth and Fierce Protection

Investing shouldn’t be a gamble. At Fair Oaks Funding, we combine decades of legal, lending, and real estate expertise to bring investors secure, high-yield opportunities backed by real assets—not speculation. With an attorney who has structured tens of millions in private lending deals and a contractor who has flipped and managed hundreds of properties, we know how to identify strong, low-risk investments that deliver real returns.

Every deal we offer goes through rigorous underwriting, risk assessment, and financial structuring to ensure investors are protected, capital is preserved, and returns are reliable. You get passive income, secured by first-lien positions—while we handle the complexities of lending for you.

Fast, Secure, Passive Investing

8-10% Annualized Returns

Competitive, predictable income. 

Secured by First Lien

Your investment is backed by real assets. 

Hands-Off Investing

We vet the deals, manage the loans, and protect your capital.

Short-Term Loans

Typical loan durations of 6 months. 

Risk Protection

Fair Oaks Funding takes the first-loss position, which means you get paid before we do.

Why Investors Choose Fair Oaks Funding

At Fair Oaks Funding, protecting investor capital starts long before a deal is funded—it starts with scrutiny. We don’t just look at whether a deal benefits us; we analyze whether it makes sense for the borrower, too. That means we turn down deals that don’t have enough margin for success—even when we could have made money on them.

We’ve had deals come across our desk where the numbers worked for us as lenders, but we knew the borrower was walking a tightrope. Instead of pushing forward and collecting our fees, we’ve advised borrowers to negotiate better terms or walk away. Why? Because a deal that isn’t solid from the start increases risk for everyone involved—including our investors. And that’s not how we operate.

First-Lien Protection

You’re always in first position, meaning your capital is secured. 

Low Loan-to-Value (LTV) Ratios

We lend at 70% LTV or better, reducing risk. 

Strict Borrower Requirements

Borrowers must meet high underwriting standards and provide personal guarantees. 

Conservative Underwriting

Every deal is structured for success, so you’re not exposed to unnecessary risk. 

First-Loss Protection

We take the first loss before you do—because we believe in our deals.

Limited Spots!

The Two Powerhouses Running the Show

Mary Hart

The Legal & Lending Strategist

With over 20 years of private lending experience and 34 years as an attorney, Mary Hart has seen it all—and she’s built a reputation for structuring rock-solid deals that protect both investors and borrowers. Her zero-foreclosure track record isn’t an accident—it’s the result of careful underwriting, smart risk management, and an unwavering commitment to integrity.

Mary didn’t set out to be a lender, but when a fellow investor asked her to fund a deal, she said yes—and she never looked back. She discovered a passion for helping investors succeed, ensuring that both borrowers and capital investors win together.

When you invest with Mary, you get more than just strong returns—you get a trusted lending strategist who knows how to structure deals the right way, keeping your capital secure. 

Patty Bane

The Construction & Project Execution Pro

Patty Bane has been in the trenches of real estate investing for years. As a licensed residential contractor and seasoned project manager, she’s overseen 150+ flips in a single year and personally completed 40+ of her own. She knows exactly what it takes to make a project profitable—and she’s not afraid to tell borrowers when a deal just doesn’t work.

Patty’s reputation is built on quality, honesty, and a no-corners-cut approach. Realtors and inspectors recognize her flips because she refuses to put out anything less than a stellar product. And when she partners with borrowers? She’s there to offer real guidance—not just money.

With Patty on your side, your capital is working alongside a team that understands real estate inside and out—because they’ve been in the business themselves. 

How It Works – Our Simple Investor Process

Fill Out a Quick Investor Form

Attorney + Licensed residential contractor on your side. 

Receive a Call from Mary Hart

You'll receive a call within 24 hours. She’ll walk you through the lending process and answer any questions.

Get Matched to a Deal

We hand-pick a high-quality, pre-vetted loan that aligns with your goals.

Fund Your Investment

Once you approve the deal, funds are placed in a first-lien secured position.

Earn Passive Returns

Sit back and collect 8-10% annualized returns, while we handle servicing and borrower management.

Let’s Put Your Capital to Work!

Investor Success Stories

My wife and I have participated in capital funding projects with Mary and Patty several times and will definitely be involved with many more. They are true professionals who make the process easy and transparent. The two of them are experienced at vetting real estate investments so we’re able to be completely passive while earning a great return. We are excited to be involved in future projects with these strong, successful women.

Charlotte and Doug Scudder

Our Case Studies

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“Doing the right thing is never

the wrong thing.”

-Ted Lasso

Frequently Asked Questions (FAQs)

What kind of returns can I expect? 

Investors earn 8-10% annualized returns on each funded loan.

How is my investment secured? 

Every loan is secured by a first-lien position on real estate, giving you priority over all other claims.

How long is my capital tied up?

Typical loan terms are 6 months, with the possibility of borrower-paid extensions.

Do I have to manage anything, or is this passive? 

This is 100% passive—Fair Oaks Funding handles deal sourcing, underwriting, borrower management, and servicing.

What happens if a borrower doesn’t pay? 

Fair Oaks Funding will take all steps necessary to seek repayment of the loan, including foreclosing on the property if necessary.

What is the minimum investment required? 

The minimum investment per deal is $25,000.

How do I know I’m investing in a good deal? 

We carefully vet every borrower and project with strict underwriting, low LTV ratios, and borrower guarantees. Fair Oaks Funding also takes a first-loss position, meaning we absorb losses before investors do.

Do I need to be accredited to invest?

No. Accredited and non-accredited investors are welcome.

Secure Your Spot Today!

🔥 We Limit Investors to 1 Per Deal – Secure Your Spot Now!

Get matched to a deal we handpick etc... Don’t miss out on passive income with secured, high-yield lending opportunities.