Loan Programs
Every investment strategy. One trusted lender.
NextRes offers six core loan programs designed for the full spectrum of real estate investment strategies. Whether you’re flipping your first house or scaling a 500-unit rental portfolio, we have the capital and expertise to fund your next deal. No income documentation required across all programs — we underwrite the asset, not your tax returns.
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
Compare Programs
Which Loan is Right For Me?
Use this quick-reference matrix to match your investment strategy to the right NextRes loan program. Every program requires no income documentation.
| Fix & Flip | DSCR | Bridge | Construction | Multifamily | STR | |
|---|---|---|---|---|---|---|
| Term Length | 12–24 mo | 30 yr | 1–24 mo | 12–24 mo | 1–5 yr | 30 yr |
| Max LTC / LTV | 90% LTC | 80% LTV | 75% LTV | 85% LTC | 80% LTV | 75% LTV |
| Income Docs | Not Required | Not Required | Not Required | Not Required | Not Required | Not Required |
| Min FICO | 620 | 620 | 620 | 640 | 640 | 620 |
| Property Types | 1–4 unit | 1–4 unit | All types | Residential | 5–50 unit | 1–4 STR |
| Close Time | 5–7 days | 7–14 days | 5–7 days | 7–14 days | 10–14 days | 7–14 days |
All programs require no income documentation. Rates and terms subject to credit approval and market conditions.
Loan Programs
Common questions about our programs
Can I use multiple loan products at the same time?
Yes. Many of our investors use multiple NextRes loan products simultaneously — for example, a fix-and-flip loan on an active renovation project while also holding several DSCR rental loans. We lend to portfolios of all sizes and can structure simultaneous closings when needed.
Do I need a real estate license to borrow from NextRes?
No license is required. We lend to individual investors, LLCs, corporations, trusts, and other entities. You simply need to be purchasing or refinancing a non-owner-occupied investment property. We do not lend on primary residences.
What states do you lend in?
We currently lend in 47 states. The few states where we do not currently lend are subject to regulatory licensing timelines. Contact us directly to confirm availability in your specific state and county.
How do I know which loan product is right for my deal?
Our loan advisors will help you identify the right product based on your strategy, property type, hold period, and exit plan. As a general rule: if you plan to sell within 24 months, Fix & Flip or Bridge is typically right. If you plan to hold and rent, DSCR is the go-to. Ground-up construction projects use our Construction loan, and for 5–50 unit apartment buildings, our Multifamily bridge or permanent product applies.
Are there prepayment penalties?
It depends on the product. Our fix-and-flip and bridge loans have no prepayment penalty — you can pay off at any time. Our DSCR rental loans may include a step-down prepayment penalty (e.g., 3-2-1 or 5-4-3-2-1) which is disclosed clearly in the term sheet. Our loan advisors will walk you through any prepayment provisions before you commit.
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