FIX & FLIP LOANS
Buy, Renovate & Sell For Profit
Short-term bridge financing designed for investors who acquire distressed properties, renovate them, and sell for maximum profit.
No Tax Returns or Personal Income Required
Built for Investors Who Want to Scale
Preserve Your Capital With Maximum Leverage
Fast Closings — Fund in 5–7 Days After Appraisal
What Is a Fix & Flip Loan?
A Fix & Flip loan is a short-term, asset-based bridge loan that funds both the acquisition and renovation of an investment property. Approval is based on the property’s after-repair value (ARV) - not your personal income or tax returns - making it accessible to investors at any experience level.
Typically, the loan is structured so your total financing does not exceed 70% of the ARV, but there are exceptions up to 75% LTV for experienced investors. That single number - what the property will be worth after renovation - is what drives the deal. Loans can close in the name of an individual, LLC, or corporation, giving you the flexibility to structure each flip however makes the most sense for your business.
Eligible properties include single-family homes, 2-4 units, and 5–10 units. Options may exist for over 10 units - contact us to discuss.
Up to 90% of purchase price & 100% of rehab costs
Up to 90% LTC, max 70% ARV
12–18 month interest-only term
Free appraisal & discounted fees on exit refi or repeat deals
Fast closing fund in 5–7 days after appraisal
No prepayment penalty sell or refi on your timeline
Do I need to show tax returns or personal income?
No. Fix & Flip loans are asset-based, meaning approval is based on the property’s after-repair value (ARV) — not your W-2s, pay stubs, tax returns, or debt-to-income ratio.
What property types are eligible?
Single-family homes, 2–4 unit multifamily, and 5–10 unit properties are all eligible. Options may exist for portfolios over 10 units — contact us to discuss.
How is my loan amount determined?
Your loan amount is based on two factors: loan-to-cost (LTC) and after-repair value (ARV). We lend up to 90% of the purchase price and 100% of rehab costs, subject to a maximum of 70% of the property’s ARV. The lesser of these two calculations applies.
Can I have multiple Fix & Flip loans at the same time?
Yes. Because these are business-purpose loans, there is no limit on the number of financed properties. Investors actively scaling their portfolios can carry multiple loans simultaneously.
Can I close in an LLC or corporation?
Yes. Loans can close in the name of an individual, LLC, corporation, or other business entity — giving you the flexibility to structure each deal for your tax and liability goals.
Is there a prepayment penalty?
No. You can sell or refinance at any time with zero prepayment penalty. If your flip sells faster than expected, you keep more of your profit.
Ready to fund your next flip?
NEXA Lending LLC | Corporate NMLS #1660690 | AZBK #2006218
5559 S Sossaman Rd, Bldg 1 Ste 101, Mesa, AZ 85212
Bradley Spies | NMLS #2094404
Equal Housing Lender
NEXAMortgage.com | NMLS Consumer Access Link:
NEXA Lending LLC is an Equal Housing Lender
Disclaimer (Website Use / Tax & Legal Guidance)
The information provided on this website is for general educational purposes only and should not be construed as tax or legal advice. NEXA Lending LLC and its loan officers do not provide tax, legal, or accounting services. Investors should consult with their own independent tax advisor, CPA, and/or attorney regarding how a 1031 exchange or any loan product applies to their specific circumstances. All financing is subject to credit approval, program guidelines, and applicable federal and state regulations. All loan programs here are considered Business Purpose Loans.