About Frank
Frank Garay is the President of Lulu Capital Inc., a California-based private capital brokerage specializing in investor-focused real estate financing. With over 37 years in the mortgage and real estate finance industry, Frank has helped more than 2,500 families and investors successfully fund residential, multifamily, commercial, and niche investment properties. A Navy veteran and former co-founder of one of the industry’s most recognized real estate media platforms, Frank brings deep market insight, creative deal structuring, and a no-nonsense approach to funding deals that banks often can’t—or won’t—touch.
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At Lulu Capital, Frank leads a nationwide network of trusted lending partners, offering solutions for assisted living conversions, construction, cannabis real estate, fix and flips, DSCR loans, and more. His commitment is simple: help serious investors close with speed, clarity, and confidence.