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FAQs
General FAQs
UPNEXT Capital is an investor-centric funding partner offering tailored loan programs for real estate investors, designed by active investors with over 50 years of collective experience.
We provide Fix and Flip, DSCR, Ground Up Construction, Bridge Loans, Transactional Funding, Multifamily, and other commercial loans for real estate investors.
Our loans are available to experienced and first-time real estate investors, developers, builders, and foreign nationals, depending on the program.
Our investor-to-investor mentality, proprietary technology, institutional-grade execution, and partnership philosophy ensure flexible, fast, and strategic funding solutions.
Depending on the program, we can close loans in as little as 2–7 business days, with some programs requiring no appraisal.
Many of our programs, like certain Fix and Flip and Ground Up Construction loans, use desktop valuations or BPOs instead of traditional appraisals.
Minimum loan amounts vary by program, starting at $50,000 for some Fix and Flip loans and up to $500,000 for certain commercial loans.
Yes, most of our programs are available nationwide, with some restrictions in states like ND, SD, VT, MS, or NM for specific loans.
Credit score requirements range from no FICO for some programs to 680+ for others, with soft or hard pulls depending on the loan.
Yes, our Foreign National DSCR program supports international investors with no U.S. credit required and LLC setup assistance.
Down payments range from 0% to 25%, with some programs rolling closing costs or down payments into the loan.
Experience requirements vary; some programs need 2–5 projects, while others are open to first-time investors.
Liquidity reserves, typically 5–15% of the loan amount, ensure borrowers have funds to cover project contingencies.
Payments are typically 1–1.5% of the amount used, with some programs offering deferred or interest-only options.
Yes, many programs allow closing costs (approx. 5%) to be rolled into the loan, reducing upfront expenses.
Eligible properties include single-family homes, multifamily (5–10 units), manufactured homes, condos, commercial properties, and rural properties, depending on the program.
All loans close in escrow with your chosen title company, covering appraisal, title fees, taxes, and insurance.
Our process includes: 1) Submit Request (5-minute project overview, no credit pull); 2) Custom Loan Design (1–3 solutions in 24 hours); 3) Document Packaging (we manage lender matching and paperwork); 4) Close & Fund (as fast as 5 days with your title company).
Reach us at 817-789-3885 or info@upnextcapital.com for personalized support.
Start by submitting a 5-minute project request via phone or email, and we’ll propose custom loan solutions within 24 hours.
Fix and Flip Loan FAQs
A Fix and Flip loan provides funding for purchasing and renovating properties for resale, with up to 100% financing for purchase and rehab.
Experienced flippers with 5+ projects in 3 years, a 680+ credit score, and $150,000 minimum loan amount qualify.
Most programs cap at 70–80% ARV, with some offering up to 85% LTV for specific credit scores and experience levels.
Yes, programs like the 7-Day Nationwide and 5-Day 22-State loans use desktop valuations or BPOs.
Yes, our 18-State 100% Financing program requires zero experience with a 650+ credit score.
AL, AZ, CO, FL, GA, IN, IA, KS, KY, MA, MO, MT, NV, NC, SC, OH, OK, PA, TN, TX, UT, VA.
This program allows monthly payments (1.2%) to be rolled into the loan, requiring a 680+ soft pull and 20% down.
Most Fix and Flip loans cover 90–100% of rehab costs, with some offering advanced rehab draws for experienced investors.
Minimum purchase prices range from $50,000 to $150,000, depending on the program.
No-FICO loans are available in AZ, CO, GA, TN, TX, and GA, NC, SC, VA with 10–20% down and desktop valuations.
Closing times range from 2–7 business days, with the fastest being the 2–5 Day No-Appraisal program in select states.
Liquidity reserves are typically 10–15% of the loan amount to cover contingencies.
Yes, all Fix and Flip loans close in escrow with your preferred title company.
It offers 100% purchase and rehab with a 10–20% down payment financed via a 2nd lien at 18%, requiring 4–8 projects.
Payments (1–1.2%) are required monthly, but some programs offer deferred or non-Dutch options.
Single-family, multifamily (5–10 units), and manufactured homes are eligible, with commercial allowed in SC for some programs.
Requirements range from zero to 5 projects in 3–5 years, depending on the program.
Yes, the Advanced Rehab Draws program (Nationwide, except ND, SD, VT) allows fronted capital for investors with 5+ projects.
Closing costs are approximately 5%, often rolled into the loan or covered in escrow.
Submit a 5-minute project request at 817-789-3885 or info@upnextcapital.com, and we’ll propose solutions within 24 hours
DSCR Loan FAQs
A DSCR loan finances rental properties based on debt service coverage ratio, ideal for long-term portfolio growth.
Ratios range from 0.75–1.25, with some programs (e.g., Cash Out Refinance) requiring no minimum.
Credit scores range from 600+ for 30-year loans to no FICO for rural or foreign national programs.
It allows international investors to finance properties without U.S. credit, including LLC setup assistance.
Single-family, PUDs, 2–4 units, condos, manufactured homes, and 5+ unit portfolios are eligible.
LTV ranges from 50% (rural) to 85% (2nd lien with 760 credit score), with 70–80% being common.
Yes, all DSCR loans require appraisals, conducted through your title company.
Most are 30-year loans with full amortization or interest-only periods for the first 5–10 years.
Yes, our Cash Out Refinance with No Seasoning program requires a 620+ credit score and no minimum DSCR.
Payments range from 6.87–11% APR, with rural loans at 1.2–1.5% monthly.
Yes, available nationwide (except ND, SD, VT) with 65–85% LTV based on 680–760 credit scores.
Minimum loan amounts start at $75,000 (appraised for $100,000) for most DSCR programs
No, DSCR loans are open to all experience levels, making them ideal for new investors.
Closing costs are approximately 5%, handled in escrow with your title company.
Yes, programs like Cash Out Refinance (Zero Points) offer 70–80% LTV with 680+ credit.
It offers 50% LTV with no FICO requirement for rural properties, ideal for unique locations.
It provides long-term financing with 0.75–1.25 DSCR, 80% LTV for turnkey properties, and flexible payments.
Yes, the 680+ Credit Score DSCR program includes manufactured homes at 6.65%+ rates.
Submit a 5-minute project request at 817-789-3885 or info@upnextcapital.com to discuss your portfolio.
Our Cash Out Refinance (Zero Points) reduces upfront costs, making refinancing more affordable.
Ground Up Construction Loan FAQs
These loans fund new construction projects, covering land, soft costs, and building expenses with up to 95% LTC.
Programs offer 75–95% LTC and 50–75% ARV, with rural loans capped at 50% LTC/ARV.
Yes, available in AZ, CO, GA, TN, TX with no bank statements, requiring 25% LTC down.
Credit scores range from no FICO to 680+, with soft or hard pulls depending on the program.
Available nationwide, it requires a 640–680 credit score, owned land, and rolls closing costs into the loan.
Liquidity ranges from 5–20% of the loan amount, with some programs accepting retirement funds or HELOCs.
Experience ranges from 1–5 projects in 3–5 years, with some programs using builder or guarantor experience.
Most programs require appraisals, but the No-FICO 5-Day program in select states uses desktop valuations.
Payments are 1–1.5% on the amount used, often deferred or rolled into the loan.
Yes, programs like the 680+ Soft Pull allow cash out if land value supports 60% LTC.
Closing costs (approx. 5%) are often rolled into the loan or paid at sale/refinance.
Single-family, modular, manufactured homes, and semi-rural properties are eligible, with rural options nationwide.
Draws use virtual camera inspections or advanced draws for experienced builders (5+ projects).
It offers 50% LTC/ARV with no FICO, requiring 3 projects and a BPO with background check.
Minimums range from $50,000 to $100,000 per phase, with maximums up to $5 million.
Yes, some programs finance up to 80% of land costs if vertical construction is 100% covered.
Interest reserves (6 months) are required for some programs to cover payments during construction.
Closing times range from 5–9 days, with the fastest being the No-FICO 5-Day program.
Yes, all loans close in escrow with your chosen title company.
Submit a 5-minute project request at 817-789-3885 or info@upnextcapital.com to start your project.
Other Loans FAQs
These include Multifamily, Bridge Loans, Transactional Funding, Commercial, and specialized programs like RV Parks or CA-only loans.
It offers 75–80% LTV at 8.5% APR for multifamily properties, requiring a 680+ credit score
A 24-month loan with 0.8–1% interest-only payments, ideal for rented (70% LTV) or vacant (60% LTV) properties.
It provides 2–5% funding for double closings, with funds staying in escrow and no minimum loan amount.
Available for residential, office, industrial, retail, land, construction, and self-storage in CA, with 1st and 2nd liens.
It funds $350,000–$25 million projects with no credit score requirement, closing in escrow.
It offers 50–70% LTV for cash-out refinances on RV parks, offices, warehouses, and more, with 500–700 credit scores.
Minimums range from no minimum (Transactional Funding) to $500,000 for certain commercial loans.
Most require appraisals, except the No-FICO CA-only and Transactional Funding programs.
Requirements range from no FICO to 680+ soft pull, with commercial loans accepting 500+ scores.
Payments range from 0.8–8.5% APR, with Transactional Funding having no monthly payments.
Most programs are open to all experience levels, except some commercial loans requiring project history.
Eligible properties include multifamily, commercial buildings, RV parks, self-storage, and residential 5+ units.
LTV ranges from 50% (land in TX) to 80% for multifamily loans.
Yes, the Commercial 70% Cash Out loan supports RV parks, daycares, and similar assets.
Closing costs are approximately 5%, handled in escrow with your title company.
Bridge Loans and Transactional Funding can close in 2–7 days, while others may take longer due to appraisals.
Yes, all loans close in escrow with your preferred title company.
Our broker access to 50+ lenders and direct lending capacity ensures competitive terms for complex deals.
Submit a 5-minute project request at 817-789-3885 or info@upnextcapital.com to explore these options.
