NEXA Lending
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Specialized Loan Programs Built for Smart Investors


PROGRAM 1: DSCR (Debt Service Coverage Ratio) Loans

  • The Pitch: The ultimate "hands-off" portfolio builder.
  • How It Works: We qualify the property solely based on its rental cash flow, not your personal employment or W-2 income. If the rental income covers the mortgage payment (PITI), you are approved.
  • Best For: Investors who write off their business expenses, high-net-worth individuals, and those looking to scale past conventional limit caps.
  • Key Benefit:No tax returns or employment verification required.

PROGRAM 2: Fix & Flip Loans

  • The Pitch: Fast, flexible capital for high-speed value-adds.
  • How It Works: Short-term financing (usually 12–24 months) that funds up to 93% of the purchase price and 100% of the renovation costs.
  • Best For: Flippers, rehabbers, and developers looking to buy distressed assets, force appreciation, and exit quickly for a profit.
  • Key Benefit:Rapid closing times to help you win highly competitive deals.

PROGRAM 3: Fix & Hold (The BRRRR Specialist)

  • The Pitch: A seamless transition from renovation to cash-flowing asset.
  • How It Works: We finance your initial acquisition and rehab (Fix), and structure a seamless, low-cost transition into a long-term DSCR or conventional loan (Hold) once the property is stabilized.
  • Best For: Investors utilizing the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) who want to minimize double-closing costs and underwriting friction.
  • Key Benefit:One lender, one strategy, from start to finish.

PROGRAM 4: Short-Term Rental (STR / Airbnb) Loans

  • The Pitch: Maximize your cash flow on premium vacation rentals.
  • How It Works: Rather than qualifying based on conservative, long-term rental lease estimates, we qualify your loan using projected short-term rental performance data (AirDNA or local historical revenue).
  • Best For: Vacation home investors targeting high-yield tourist markets, Lake Travis waterfront properties, and scenic destinations.
  • Key Benefit:Unlocks maximum borrowing power based on true vacation rental market projections.