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4\left(xy-2xy^{2}-3xy^{3}\right)
Factor out 4.
xy\left(1-2y-3y^{2}\right)
Consider xy-2xy^{2}-3xy^{3}. Factor out xy.
-3y^{2}-2y+1
Consider 1-2y-3y^{2}. Rearrange the polynomial to put it in standard form. Place the terms in order from highest to lowest power.
a+b=-2 ab=-3=-3
Factor the expression by grouping. First, the expression needs to be rewritten as -3y^{2}+ay+by+1. To find a and b, set up a system to be solved.
a=1 b=-3
Since ab is negative, a and b have the opposite signs. Since a+b is negative, the negative number has greater absolute value than the positive. The only such pair is the system solution.
\left(-3y^{2}+y\right)+\left(-3y+1\right)
Rewrite -3y^{2}-2y+1 as \left(-3y^{2}+y\right)+\left(-3y+1\right).
-y\left(3y-1\right)-\left(3y-1\right)
Factor out -y in the first and -1 in the second group.
\left(3y-1\right)\left(-y-1\right)
Factor out common term 3y-1 by using distributive property.
4xy\left(3y-1\right)\left(-y-1\right)
Rewrite the complete factored expression.