For over 40 years, Tom Dumbacher has been committed to serving others—whether coaching churches and schools, guiding investors, or helping communities through real estate. His journey has been shaped by a deep-rooted philosophy of giving, economic empowerment, and making a difference.

Tom comes from a family of real estate lawyers and entrepreneurs, where real estate was more than just an investment—it was a tool for building communities and creating opportunities. That tradition has carried on through his children, who have grown into business owners with the same heart for service. Now, through Kingdom Life Capital, Tom continues that mission, strategically lending to builders, fix-and-flip entrepreneurs, and passive investors who want to make a meaningful impact while growing their wealth.

Investing in People, Not Just Properties.

Tom has spent decades investing in and renting out single-family homes, developing an eye for market dynamics, property valuation, and smart investment strategies. His doctoral research at the University of Central Florida focused on urban renewal and how lenders can creatively help families afford their own homes. That same passion now fuels his work in private lending, helping investors build financial stability while contributing to the creation of housing that benefits communities in need.