Private money for real estate investors

Capital for the next deal. And the one after that.

We match investors with asset-based private lending for flips, rentals, bridge, and new construction. Clear terms, real answers, and funding built around the property, not your tax returns.

  • 5loan programs
  • Assetbased underwriting
  • 1 callto a term sheet path
A newly renovated two-story craftsman home at dusk with warm lights glowing
Example scenarioFix & Flip
Purchase
$280,000
Rehab
$65,000
After-repair value
$450,000

Est. loan up to $310,500 at 90% of cost

Loan Programs

Financing for every stage of the investment.

Business-purpose loans secured by non-owner-occupied real estate. Tell us the strategy and we will structure around it.

Interior of a house mid-renovation with exposed studs and tools on sawhorses
01

Fix & Flip

Short-term funding for acquisition and renovation, with rehab funds released in draws as work is completed.

  • Purchase + rehab financing
  • Leverage based on after-repair value
  • Interest-only payments
02

Bridge Loans

Close fast on a time-sensitive acquisition, then refinance or sell on your timeline.

Best for: auctions, quick closes, transitions

03

DSCR Rental

Long-term rental financing qualified on the property's rental income instead of personal income.

Best for: buy-and-hold, BRRRR refinance

Wood-framed new construction townhomes with scaffolding under a blue sky
04

Ground-Up Construction

Capital for new builds, from spec homes to small multifamily, with a draw schedule tied to construction milestones.

  • Land + vertical costs
  • Milestone-based draws
  • Builders and experienced investors
05

Cash-Out Refinance

Pull equity out of stabilized properties to fund your next acquisition.

Best for: scaling a portfolio

Not sure which fits?

Send the deal. We will tell you which program makes sense and why.

Talk to a Broker →
A well-kept brick fourplex rental building with mature trees
Buy & Hold DSCR loans qualify on rent, not W-2s.

Why NextGen

A broker in your corner, with a direct lender behind the deal.

We work with an established private lender that funds investment real estate every day. You get one point of contact who knows the guidelines and packages your file to move.

Property-first underwriting

Decisions center on the asset, the deal, and your exit, not a stack of tax returns.

Speed when it matters

We review deals quickly and keep the file moving toward a term sheet, appraisal, and closing.

Straight answers

Clear terms and fees laid out up front. If a deal does not fit, we tell you why and what would.

Built for repeat investors

First flip or fiftieth door, we help you build a lending relationship that scales.

How It Works

From deal to funded in four steps.

Start Step One →
  1. 01

    Submit your deal

    Share the property, purchase price, rehab budget, and your exit plan. Takes a few minutes.

  2. 02

    Get a term sheet

    We review the scenario with the lender and come back with terms that fit the strategy.

  3. 03

    Underwriting & appraisal

    We coordinate valuation, title, and documentation so nothing stalls.

  4. 04

    Close & fund

    Sign, fund, and get to work. Rehab and construction draws follow your progress.

Deal Calculator

Run the numbers before you call.

Quick, illustrative estimates using common private-lending guidelines. Actual terms are set by lender underwriting.

Estimated max loan

$0

Total project cost
$0
Limited by
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Est. cash to close (before fees)
$0
Gross profit potential
$0
Submit This Deal →

Who We Fund

Built for people who build portfolios.

House flippers

Buy, renovate, and resell with purchase and rehab capital in one loan.

Buy-and-hold landlords

Single-family, 2–4 units, and small multifamily qualified on rental income.

Builders & developers

Spec homes, infill lots, and townhome projects with milestone draws.

New investors

A strong deal can open the door. We will walk you through what lenders look for.

FAQ

Questions investors ask us.

Do not see yours? Send it with your deal and we will answer it directly.

What is private money lending?

Private money loans come from private lenders rather than banks. They are underwritten primarily on the property and the deal, which allows for faster decisions and more flexible structures for real estate investors.

Do you lend on owner-occupied homes?

No. Every loan we broker is a business-purpose loan secured by non-owner-occupied investment real estate.

What do I need to submit a deal?

Just the basics: your contact info, the property state, purchase price, rehab cost, after-repair value, expected profit, credit score range, and investing experience. Supporting documents come later in underwriting.

Do I need prior experience?

Experience helps with leverage and pricing, but it is not always required. A well-structured deal with a clear exit can still qualify. We will tell you up front how your experience affects terms.

How fast can a loan close?

Timelines depend on the appraisal, title, and how quickly documents come in. We keep every file moving and set realistic expectations from the first call.

Which states do you serve?

We broker loans in states where our lending partner actively lends. Submit your deal with the property state and we will confirm eligibility right away.

Submit a Deal

Tell us about the property. We will take it from there.

Three quick steps, about two minutes. A broker reviews every submission and follows up with the program that fits.

  • No obligation to review a scenario
  • New investors welcome
  • Investment properties only
  • One point of contact through closing
Let's start with you.