Fix & flip, bridge, DSCR, and ground-up financing for operators who can't afford to wait. Term sheets as fast as same day — and a loan you can track like a package, from day one to done deal.
✓No tax returns✓3-minute application✓No credit pull for terms★5.0 on Google · 300+ reviews
nexflipSAMPLE FILE
3742 Marlow Ave · Sacramento
$412,000 · 12 mo · interest-only
Terms issuedDay 0
ApplicationDay 1
UnderwritingDay 3
ApprovedDay 5
ClosingDay 8
FundedDay 9
FUNDED$412,000 wired · 9 days
Up to 90% LTC + 100% rehabNo W-2s or tax returnsTerm sheets as fast as same dayClosings as fast as 5 daysFirst-time investors welcomeInterest only on funds you draw$150K–$5M fix & flip loans
/ Loan programs
Four programs. One lifecycle.
Bridge closes it fast. Fix & Flip funds the rehab. Ground-Up builds it from dirt. DSCR holds the win. Our operators run the whole loop — the platform is built around it.
Most funded · Short-term
Fix & Flip
Purchase + rehab in one loan — underwritten on the deal, not your W-2.
Thirty seconds, no forms, no credit pull. The same pricing engine that prices your term sheet — see your estimated loan amount, down payment, and start rate, then turn them into written terms.
Purchase price
Total rehab budget
After-repair value (ARV)
Credit score
Flips completed (36 mo)
Loan term
Down payment / leverage90% LTC
Lower leverage, better pricing — the rate improves as you bring more to the deal. 100% of rehab funded at every tier.
Deal snapshot
Total project cost$—
Gross spread$—
Loan-to-ARV—
Your estimated terms
Live as you adjust — preliminary, confirmed by your LO
Est. loan amount
$—
—
Est. start rate
—%
$—/mo interest · plus origination & fees
Est. down payment
$—
Before origination & fees
Illustrative profit
$—
After sale, loan & carry costs
Unlock your full term optionsFree account · no credit pull · ready in minutes
Origination — Standard vs. Cash-Light
Processing & lender fees
Itemized cash to close
Written term sheet (PDF)
Manual review
Estimates based on the information you entered — not an offer, approval, or commitment to lend. The rate shown is a starting rate and may be higher based on credit, experience, property type or condition, location, loan size, or other risk factors identified during underwriting. Rate, loan amount, and down payment exclude origination, processing, underwriting, lender, and third-party fees, which are itemized in your account and on your written term sheet before you pay anything or authorize a credit check. Final terms are set by the funding lender after verification of credit, experience, entity, appraisal, and title. All rates and fees are subject to change without notice. Profit estimate assumes a 6% sale cost, a six-month hold, and estimated loan fees; it excludes taxes, insurance, utilities, and other holding costs.
On the Better Rate Mortgage platform · NMLS #1852295
/ Ask Nico · 24/7
Got a deal question? Ask Nico.
nexflip's AI assistant — awake at 2am, no account, no credit pull. Ask anything about your deal, get a straight answer in seconds, and get booked with a licensed loan officer when you're ready.
Tap a question — or type your own
Nico is an AI assistant. It answers questions, runs numbers, and books your loan officer — it never approves, declines, or sets terms.
n
Nico · nexflip
Online · replies in seconds
2:04 AMFound a deal. 3/2 in Sac, $385K, needs $65K, comps at $560K.
2:04 AM · NICOThat's a strong spread. How many flips have you completed in the last 36 months?
2:05 AMThis would be my first.
2:05 AM · NICOFirst-time investors can go up to 90% of purchase plus 100% of rehab on numbers like these, capped at 75% of ARV. Want me to book you with a licensed loan officer at 9am? Term sheets can come as fast as same day.
— Your turn. Ask anything, no account needed —
Nico is an AI assistant. Only a licensed loan officer sets terms.
/ The nexflip Standard
Four commitments. In writing.
Private lending runs on promises made over the phone and broken at the closing table. Ours are published. Hold us to them.
Term sheets as fast as same dayWritten answer within 48 hours on a complete fileClosings as fast as 5 days
01
A term sheet as fast as same day — or a straight answer why not.
Written terms fast — often same day, typically within 48 hours on a complete file. If the deal doesn't fit, you hear why, fast, with a pointer to what might work.
02
More ways to get a strong deal to yes.
Deep, flexible capital behind every program — so one underwriter's box never kills a good deal. If it pencils, we find the structure that funds it.
03
Every fee in writing before you commit.
Your term sheet itemizes every fee before you sign anything or authorize a credit check. If a number moves before closing, you know the moment we do — and why.
04
You always know exactly where your file stands.
Six stages, visible at all times, updates at every transition. Never call to find out what's happening with your own money.
/ Your deal dashboard
High leverage. Full visibility.
Deep leverage on strong deals — up to 90% of purchase and 100% of rehab on qualifying files — with everything about your loan on one screen: upload documents once, watch every milestone move, and pull your term sheet the moment it's issued. And when a question hits at 2am, Nico is one tap away.
nexflip borrower portal · Your LLC
nexflip
Overview
Documents
Term sheets
Ask Nico
Welcome back, Your LLC
Terms
Application
Underwriting
Approval
Closing
Funded
Term sheet · Issued today
$412,000 · 12 mo · interest-only
Documents
Purchase-Contract.pdfRECEIVED
Scope-of-Work.pdfRECEIVED
Entity docsREQUESTED
Upload once, never email. Documents go through a secure channel with live status on every item.
Milestones you can see. Six stages from terms to funded, updated at every transition.
Term sheets on the spot. The moment your loan officer issues terms, the PDF is in your inbox.
/ The X Club
The wire is the starting line. The club is what's after.
A member deal board — off-market opportunities posted operator to operator. Coming soon
Events and roundtables in Fairfield and around the Bay, built for people mid-project. Coming soon
Vendor rates negotiated once, for the whole club — title, insurance, materials. Coming soon
Takes 60 seconds. Next, you’ll create your secure borrower login and see your term options as soon as you enter your deal — no credit pull.
I'm
Timeline
UNDER CONTRACT — A LICENSED LOAN OFFICER CALLS YOU BACK FIRST DURING BUSINESS HOURS.
By continuing, you agree to our Terms and Conditions and acknowledge our Privacy Policy. Starting your deal is not an application for credit and no credit inquiry is made. Preliminary estimates only — not an offer or commitment to lend. Loans are for business purposes only, on non-owner-occupied investment property.
✓
You're in.
Check your email — your secure borrower portal link is on the way. Create your login there to see your term options.
Ask Nico — free, no account
NicoONLINE · 24/7 · NO SIGN-UP
Hey — I'm Nico, nexflip's AI. Ask me anything about your deal, our programs, or how fast we move. No account needed.
Nico is an AI assistant — it never approves, declines, or sets terms. Only a licensed loan officer does.
