Fix & Flip loans, explained.
Acquisition + rehab capital sized around ARV and exit strategy.
- Licensed California broker
- NMLS ID 2743839 · DFPI 60DBO-211586
- Direct underwriter contact
- Loan size
- $100K – $3M
- Term
- 6 – 18 mo
- ARV max
- Up to 75%
- Rehab funded
- Up to 100%
What are Fix & Flip loan terms at NexWin Capital Corp.?
Fix & Flip financing from NexWin Capital Corp.: Acquisition + rehab capital sized around ARV and exit strategy. Typical terms: Loan size $100K – $3M · Term 6 – 18 mo · ARV max Up to 75% · Rehab funded Up to 100%.
| Term | Typical range |
|---|---|
| Loan size | $100K – $3M |
| Term | 6 – 18 mo |
| ARV max | Up to 75% |
| Rehab funded | Up to 100% |
Price this against a hard money scenario to price a scenario against these bounds.
This is a residential transition loan, the category this programme sits inside.
Fix & Flip loans fund both the purchase and the rehab, sized around the After-Repair Value and your exit plan.
A flip loan is really two things in one: purchase financing for the property as-is, and rehab financing for the work you'll do. Most lenders express this as a combined percentage of the purchase price plus rehab budget, capped by the ARV.
The rehab portion is held in escrow and released as you complete work. You pay interest only on drawn balances, so the carry cost stays manageable during the renovation.
NexWin Capital Corp. places flips with lenders who value operator track record and ARV quality, not just the purchase number. That means emerging flippers with solid comps can still reach competitive pricing.
Conventional mortgage or fix-and-flip loan?
Different tools for different holds. One is built for decades; the other for a renovation timeline.
Right for move-in-ready homes you plan to keep.
- Lower rate over a long hold, the keep-forever structure.
- 30-year amortization suits stabilized, rent-ready property.
- Works when the home already passes appraisal in its current condition.
- Owner-occupants renovating their own home should also price FHA's 203(k) program.
Purchase and rehab, one loan, on a flip timeline.
- Sized to after-repair value, the budget for the work rides along.
- Closes fast enough that sellers take the offer seriously.
- Rehab draws released as stages complete and inspect.
- Exit-first underwriting: the resale is the plan, not a red flag.
Honest answer: if the property is habitable and you're holding long-term, conventional money is cheaper. If the value is created by the renovation and the exit is a sale, that's what this program is shaped for. Send the scenario, we'll give you a straight read.
- ARV01
After-Repair Value
What the property will be worth once all the rehab work is complete, validated by an appraiser familiar with comps in the local market.
Buy at $300K, rehab $75K, ARV $550K → loan sized against $550K.
- LTC02
Loan-to-Cost
Percentage of purchase + rehab the lender will finance. 90% LTC means you put down 10% of total cost.
- LTP03
Loan-to-Purchase
Some lenders split pricing between purchase LTV and rehab funding. You might see 85% LTP + 100% of rehab.
- Rehab holdback04
Rehab reserve / holdback
Rehab dollars aren't in your account on day one. They sit with the lender and release in draws as you complete work.
- Exit05
Exit strategy
How you pay the loan off: sale at market, refinance to a DSCR rental, or cash-out and redeploy.
- Points06
Origination points
A one-time fee at closing expressed as a percentage of the loan, e.g. 2 points on a $400K loan = $8K.
The numbers, without the jargon.
- ARV01
After-Repair Value
What the property will be worth once all the rehab work is complete, validated by an appraiser familiar with comps in the local market.
Buy at $300K, rehab $75K, ARV $550K → loan sized against $550K.
- LTC02
Loan-to-Cost
Percentage of purchase + rehab the lender will finance. 90% LTC means you put down 10% of total cost.
- LTP03
Loan-to-Purchase
Some lenders split pricing between purchase LTV and rehab funding. You might see 85% LTP + 100% of rehab.
- Rehab holdback04
Rehab reserve / holdback
Rehab dollars aren't in your account on day one. They sit with the lender and release in draws as you complete work.
- Exit05
Exit strategy
How you pay the loan off: sale at market, refinance to a DSCR rental, or cash-out and redeploy.
- Points06
Origination points
A one-time fee at closing expressed as a percentage of the loan, e.g. 2 points on a $400K loan = $8K.
How a deal moves through NexWin Capital Corp.
- 01You
Prequalify
Submit the flip scenario, property, purchase, rehab budget, ARV, exit plan, track record.
- 02You
Scope of work + comps
Upload the rehab scope and supporting comps. The sharper the scope, the tighter the pricing.
- 03NexWin Capital Corp.
Lender placement
NexWin Capital Corp. routes the deal to lenders whose flip programs fit your experience level and market.
- 04Lender
Term sheet + appraisal
Receive a term sheet. Order the ARV appraisal. Underwriting moves in parallel.
- 05Lender
Close
Close on the purchase. Rehab funds sit in a holdback account ready for draws.
- 06You
Draws → exit
Complete work in stages, request draws, then sell or refinance at completion.
What a typical OC / LA fix & flip looks like through NexWin Capital Corp.
Representative numbers from a real Orange County / Los Angeles market scenario. Actual terms depend on borrower profile, lender appetite, ARV validation, and sub-market.
Talk through a similar deal- Property
- 3-bed / 2-bath SFR, Anaheim Hills, distressed estate sale, full cosmetic + kitchen + baths + flooring + minor systems
- Purchase price
- $785,000
- Rehab budget
- $185,000
- ARV (after-repair)
- $1,150,000
- Borrower exit
- Sell on the open market within 6 months
- Loan structure
- ~85% LTC, ~70% ARV, sized to leave a meaningful equity cushion
- Time to close
- ~14 business days from complete file (for qualified scenarios)
Documents, per program.
NexWin Capital Corp. forwards your package to the lender. The sharper your file, the tighter your pricing. Upload these when you apply, or bring them to the call.
- Purchase contract
- Itemized rehab scope of work
- Personal financial statement
- 2 years tax returns
- 2 months bank statements
- Government-issued ID
- LLC / entity documents
- 3–5 ARV compsSold in last 6 mo, same neighborhood
- Flip experience recordRecent flips w/ addresses + exit prices
- Tri-merge credit reportWe can run this with your authorization
- Builder's risk insurance quote
Speed, structure, rate, execution, certainty.
Five things you should be able to expect from a broker on this loan. Rewritten for how fix & flip deals actually work.
Fast initial read
Flip deals win or die on timing. Initial read typically within 1-3+ business days, term sheets in days, not weeks.
Built around the deal
Draw schedules sized around your actual scope, not a generic 3-stage box that breaks on real rehabs.
Competitive pricing
Experienced flippers get priced on track record. Emerging flippers get priced on comp quality. Either way, real competitive placement.
Getting it done
One point of contact through close. We coordinate appraisal, scope review, and insurance so your rehab start date doesn't slip.
Clarity up front
If the ARV or scope doesn't pencil, you hear it from us first, not after a week of underwriting.
Common questions.
Is a fix and flip loan the same as a hard money loan?
Mostly, yes. Hard money is the umbrella term for short-term lending secured by the property itself rather than the borrower's income. A fix and flip loan is that same asset-based structure purpose-built for purchase plus rehab: sized against the after-repair value, with the rehab budget released through draws.
Do I need prior flip experience?
No, but it shapes pricing and LTC. First-time flippers can absolutely get funded, lower LTC, stronger comp file, sometimes a GC co-sign.
How long does funding take?
We can't promise a specific close date until your scenario is qualified and the file is complete. For qualified scenarios with a complete file, ~14 business days is the typical close, the biggest variable is appraisal turnaround in your market.
Can I fund part of the purchase in cash and only borrow for rehab?
Yes. Some lenders will lend against the rehab portion only on properties you already own, it's effectively a cash-out rehab loan.
Does the rehab budget get funded up front?
No, purchase funds at close, and the rehab budget releases through draws as stages complete and pass inspection. That's what keeps the lender comfortable financing the work at all.
What if I decide to keep the property instead of selling?
Common and fine, the exit becomes a refinance into a rental (DSCR) loan instead of a sale. Flag it early so the term and prepay structure fit a refi timeline.
Still have questions? Send us the scenario, we'll give you an honest read on fit typically in 1-3+ business days.
Talk through the dealCheck our claims against the primary source.
Fix & Flip financing here is business-purpose credit. The rules that govern it, and the government-backed programs worth comparing before you commit, are published. These links go to the official pages, not summaries of them.
Our notes are plain-language explanations, not legal or tax advice. For your situation, talk to your own counsel or tax professional.
- Consumer Financial Protection BureauRegulation Z §1026.3, exempt transactions (opens in a new tab)
Credit extended primarily for a business or commercial purpose is exempt from Regulation Z (Truth in Lending), the consumer-mortgage disclosure regime does not generally apply to business-purpose loans like these.
Reviewed Jul 2026 - U.S. Department of Housing and Urban Development (FHA)203(k) Rehabilitation Mortgage Insurance Program (opens in a new tab)
FHA's 203(k) program insures a single mortgage covering both purchase (or refinance) and rehabilitation for owner-occupants, the government-backed route when the property will be your primary residence rather than an investment.
Reviewed Jul 2026 - California Department of Financial Protection and InnovationCalifornia Financing Law (finance lenders & brokers) (opens in a new tab)
Finance lenders and brokers operating in California are licensed under the California Financing Law, administered by the DFPI, the regime NexWin Capital Corp.'s CFL license (60DBO-211586) is issued under.
Reviewed Jul 2026 - Nationwide Multistate Licensing SystemNMLS Consumer Access. NexWin Capital Corp. (ID 2743839) (opens in a new tab)
Look us up yourself: NMLS Consumer Access is the public registry where you can verify NexWin Capital Corp.'s record under NMLS ID 2743839.
Reviewed Jul 2026
More on fix & flip capital, from the field.
- August 1, 2026
Loan-to-cost and loan-to-value are two different ceilings
Two limits are applied to the same loan, and whichever comes out lower is the one you get. Knowing which binds tells you what to change about the deal.
Read article - August 1, 2026
The BRRRR method breaks at the refinance, not the rehab
Buy, rehab, rent, refinance, repeat. The fifth step is funded entirely by the fourth, and the fourth runs on rules you can check before you buy anything.
Read article - August 1, 2026
What ARV actually means, and who decides it
After-repair value is not your forecast of the finished price. It is an appraised value, produced under a stated condition, by someone who is not you.
Read article
Same process as a phone call, just faster.
Drop your name, phone, and which loan. We text a confirmation and a real person follows up.
Go to full fix & flip application- NexWin Capital Corp. is the licensed broker, not the lender, we package and place your file.
- Your first read is a manual review by a person, nothing is auto-decisioned.
- Your file goes to lenders only at placement, after documents are prepped and you’ve agreed on direction.
- Fee and compensation disclosures live on the disclosures page.
Different scenario?
- Ground-up · Spec · Heavy rehabConstruction
Capital structured around draws, trades, and real site sequencing.
- Short-term · Transition capitalBridge
Bridge capital up to 75% LTV, a typical ~14-business-day close for qualified, complete files.
- Hold · Cash-flow · PortfolioInvestment Property
Rental-property capital qualified on the property's cash flow, not W-2 income.
- Working capital · Equipment · ARBusiness
Term, line, AR, and equipment capital for builders, GCs, and investors.
Brokered by NexWin Capital Corp. · NMLS ID: 2743839 · FIX-FLIP