Fix & Flip Financing: What Every Investor Needs to Know in 2025
Hard money lenders, bridge loans, and private capital — understanding your short-term financing options is critical to executing a profitable flip.
Read More →$3.2B+Total Capital Deployed
Since 2012 across all loan types
8,500+Loans Closed
And counting — nationwide
47States Served
Lending coast to coast
5Day Close (avg)
When you need capital fast
Loan Programs
The right loan for every deal
From fix-and-flip to ground-up construction, NextRes Capital has the capital and expertise for every investment strategy.
Fix & Flip
Short-term financing for acquire-renovate-sell strategies. Up to 90% of purchase + 100% of rehab. Close in as few as 5 days.
- Up to 90% LTC
- 12–24 months
- Close in 5 days
DSCR Rental Loans
Long-term financing for buy-and-hold investors. Qualify on property cash flow, not personal income. No tax returns or W-2s required.
- Up to 80% LTV
- 30-yr fixed
- Qualify on rent
Bridge Loans
Fast capital for time-sensitive acquisitions and repositioning plays. Bridge the gap between opportunity and permanent financing.
- Up to 75% LTV
- 1–24 months
- 5-day close
New Construction
Ground-up financing for experienced builders and developers. Draw-based funding with competitive rates for vertical construction.
- Up to 85% LTC
- 12–24 months
- Draw-based
Multifamily
Bridge and rental financing for 5–50 unit residential assets. Flexible structures for value-add and stabilized deals.
- Up to 80% LTV
- 1–5 years
- $500K–$15M
Short-Term Rental
DSCR-based financing for Airbnb, VRBO, and vacation rental properties. Qualify on projected short-term rental income.
- Up to 75% LTV
- 30-yr
- STR income OK
Tailored Programs
Providing Solutions Is
What We Do Best
At NextRes, we understand that life happens. Here are a few ways we provide exceptional assistance to our borrowers.
Platform Technology
Instant Loan Request Verification
Our proprietary platform verifies loan requests in real time. Submit your deal, get a status update within hours — no black box, no waiting.
- Automated diligence scoring
- Real-time approval tracking
- Dedicated loan advisor assigned on day one
Specialty Program
Maturity Bailouts
Bailouts for borrowers in foreclosure OR borrowers whose loans have hit maturity, with terms that will not be extended by their current lender.
- Bridge financing while you stabilize
- No seasoning requirements
- Fast close — often in under 10 days
Fresh Start Program
Assistance With Derogatory Events
A fresh start at 50% LTV for borrowers who have hit a bump in the road and whose payments can no longer be accepted by their lender.
- 50% LTV — protecting both sides
- Credit events considered case by case
- Path back to conventional financing
Simple. Fast. Transparent.
How NextRes Works
From application to funded deal — in as few as 5 business days.
Apply in Minutes
Submit your deal details online. No commitment required. Our team reviews within hours, not days.
Get Your Term Sheet
Receive a clear, transparent term sheet within 24 hours. No surprises, no hidden fees.
Fast Underwriting
Our in-house team underwrites your deal quickly. We focus on the asset, not just the borrower.
Close & Fund
Close in as few as 5 business days. Capital wired directly to title or escrow.
The NextRes Difference
Why serious investors choose us
We built NextRes Capital for investors, by investors. Every policy, every process is designed around one goal: getting your deal funded fast.
Speed
Close in 5 days. Our streamlined process eliminates the bureaucracy of traditional lending.
No Tax Returns
We underwrite the asset, not the borrower's income. Keep your financials private.
Nationwide Reach
Lending in 47 states. One relationship, coast-to-coast coverage.
Common Sense Underwriting
We look at the deal, the market, and the exit. Not just a credit score.
Transparent Pricing
No junk fees. No surprises. Rates and terms disclosed upfront, every time.
Dedicated Loan Officer
Every deal gets a dedicated point of contact who owns it start to finish.
Real-Time Investment Tracking
Estimate Your Rate
It’s an investor’s market, and you need a strategy! With our predictive technology, Nexys, we can generate a personalized rate sheet for you in a matter of minutes, present you your funding options, and help you plan for the future, TODAY.
Explore OptionsDashboardMarketplaceMy propertiesDeal ManagerMy profile
Welcome back, Adam
Account Balance$719,898
Total Earned$129,009
In Pocket$719,898
Investable Cash$719,898
Earning Overview
LocationStatusLoan amountInterest Est.Term
Queens, NYPending$350,000$12,00012 Mo
Queens, NYPending$400,000$11,00011 Mo
Brooklyn, NYPending$350,000$9,0009 Mo
Dashboard
Welcome back, Adam
41 Active Properties
Account Balance$719,898
Total Earned$129,009
Interest Earned$89,898
Investable Cash$29,898
123 Main St. Queens NY, 47189
Loan Amount Annual Cash: $500,000
Thinking about the next steps? Good. They’re easy to take.
Four Steps to Funding
01Step 1
Online Account Registration
Create your investor profile on the Nexys platform in under 5 minutes. No commitment required.
02Step 2
Securely Link Bank Account
Connect your funding source with bank-level encryption. Transfers are fast, safe, and fully audited.
03Step 3
Loan Selection Process
Browse curated, vetted real estate loans. Filter by risk level, term, location, and expected return.
04Step 4
Monitor Investment Earnings
Track performance, distributions, and portfolio growth in real time — all in one dashboard.
Get Started
Takes less than 2 minutes · No obligation
★★★★★
"NextRes's high-interest real estate loans gave me true passive income, with complete control and no pressure to invest. It's seamless and easy."
John S.
NextRes investor
More Investor Stories
Real investors. Real results.
★★★★★
"NextRes closed my fix-and-flip in 4 business days when my bank couldn't even return a call. We've done 11 deals with them since. They're the first call I make."
★★★★★
"DSCR loans through NextRes allowed me to scale from 3 to 22 units in 18 months. No W-2 verification, no hassle. They look at what the property earns, period."
★★★★★
"Their construction loan process is the most straightforward in the industry. Draw requests processed within 48 hours. I won't build a spec home without them."
★★★★★
"My Airbnb portfolio went from 2 to 9 properties in one year thanks to NextRes DSCR loans. No income docs, no drama — just capital when I needed it."
★★★★★
"I needed bridge financing in 6 days to close a deal before I lost it. NextRes delivered. That property netted me $190K. They literally saved the deal."
Our Footprint
Lending Across 47 States
One relationship, coast-to-coast coverage. NextRes is licensed and actively lending across every major US market.
Northeast
- New York
- New Jersey
- Connecticut
- Massachusetts
- Pennsylvania
Southeast
- Florida
- Georgia
- North Carolina
- South Carolina
- Tennessee
Midwest
- Illinois
- Ohio
- Michigan
- Indiana
- Minnesota
Southwest
- Texas
- Arizona
- Nevada
- Colorado
- New Mexico
West Coast
- California
- Washington
- Oregon
- Utah
- Idaho
Common Questions
Answers investors actually need
What types of properties do you lend on?
We lend on a wide range of residential investment properties including single-family homes, 2–4 unit properties, multifamily (5–50 units), and short-term rental properties. We do not lend on primary residences or owner-occupied properties.
Do I need good credit to get a loan from NextRes?
Credit is one factor but not the primary one. For most of our loan products, we focus primarily on the asset — the property, its value, and your exit strategy. Our DSCR rental loans have minimum credit requirements, but fix-and-flip and bridge loans are more flexible. Contact us to discuss your specific situation.
How fast can you actually close?
Our average close time is 5 business days for fix-and-flip and bridge loans when all documentation is in order. Complex deals or new construction may take 10–15 business days. We have closed in as few as 3 business days for repeat borrowers with clean files.
What's the minimum loan amount?
Our minimum loan amount is $75,000 for fix-and-flip and bridge loans. For DSCR rental loans, the minimum is $100,000. For multifamily and new construction, our minimum is $500,000. We don't have a maximum loan amount — call us to discuss large deals.
Investor Resources
From the NextRes Blog
Practical guides, market insights, and lending strategy for serious real estate investors.
DSCR Loans Explained: The Ultimate Guide for Rental Property Investors
Debt-service coverage ratio loans are reshaping how investors buy rental properties. Learn how to qualify, what ratios lenders look for, and when DSCR is the right tool.
Read More →
5 Questions to Ask Your Private Lender Before You Sign
Not all private lenders are created equal. Before you commit to a term sheet, make sure you understand the true cost, timeline, and flexibility of your loan.
Read More →Ready to Fund Your Next Deal?
Get a free rate quote in minutes. No commitment required. Our team is standing by.