/PROGRAM · Business purpose

Fix and flip and bridge loans

Banks won’t touch non-owner-occupied short-term deals, conventional timelines don’t fit a five-to-ten-day settlement window, and a single lender will cap how many concurrent loans one borrower or entity can carry.

Short-term capital to buy and renovate a non-owner-occupied property, or to bridge one. Underwritten on the deal, your experience and the exit, not on W-2 income.

Who a fix and flip or bridge loan is for

High-volume flipper

Six to fifteen-plus a year, run like a business, hitting one lender’s concurrent-exposure ceiling.

First-time flipper

Earnest money out of savings or a HELOC, and a bank that says it doesn’t do investment rehab loans.

BRRRR investor

Needs the rehab loan and the DSCR takeout lined up together rather than starting over at seasoning.

Wholesaler turned flipper

Strong at sourcing, no renovation track record on paper, and a tight inherited close date.

Deal at risk

Financing just fell through, or an all-cash offer now has to actually fund, against a hard deadline.

How a fix and flip or bridge loan works

Send the purchase contract, the scope of work, and your exit plan.
Underwriting centers on the deal, the after-repair picture, your experience and the liquidity behind you.
Confirm the borrowing entity matches the deed early. It is the most common thing that slows a file down.
If the exit is to hold and rent, I line up the DSCR takeout at the same time so you are not scrambling at seasoning.

Questions about a fix and flip or bridge loan

I don’t have a contractor bid yet.

That is fine at this stage. Send a rough scope of work and I will tell you what the file eventually needs, so you are not scrambling for it later.

I’ve never done a flip. Will I qualify?

It’s less about a track record on day one and more about the deal, the exit plan, and having some liquidity behind you. Experience and reserve overlays are lender-specific.

I already have a bridge lender.

That’s fine. The piece most people don’t have lined up is the DSCR takeout. I can be the backup for the refinance side.

How long until I can refinance out?

That depends on the lender’s seasoning requirement and how the property performs once leased. I’d rather map your specific one than guess.

I need to close in a week. Is that possible?

It depends how complete the file is. Get me the purchase contract, entity docs and exit plan and we’ll know quickly whether the timing works. I won’t promise a closing date I can’t hit.

Next step

Send this scenario

Tell me the property and the plan and I’ll come back with what’s eligible. Eligibility and terms vary by scenario.

Let’s find your path

Draft copy, pending review by adscompliance@nexalending.com before publication.

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