Nationwide · Investor & Business Financing
Commercial-purpose financing for investors and business owners.
Investment property, fix-and-flip, or a business purchase — financed on the deal, not just your W-2. I lend on these nationwide.
Commercial-purpose financing is not consumer credit and is not subject to consumer mortgage protections.
Financing built around the deal, not your paycheck
Investment and business-purpose loans get underwritten differently than a loan on your primary home — and that’s an advantage, not a limitation. A rental property can qualify on its own cash flow. A fix-and-flip can qualify on the deal and your exit plan. A business purchase can qualify on the numbers of the business itself.
I work with investors and business owners across the country on exactly this kind of financing. If you’ve been turned down by a conventional lender because your tax returns don’t tell the whole story, this is usually where the conversation should have started.
DSCR / rental property loans
Qualify on the property’s rental income instead of your personal income — no tax returns, no employment verification. See how DSCR loans work →
Fix-and-flip & bridge loans
Short-term financing for a purchase-and-renovate project, sized around your after-repair value and exit timeline.
Business-purpose & commercial
Financing for a business acquisition, owner-occupied commercial property, or portfolio of investment properties.
Where I lend
Residential owner-occupied mortgages are only available in Utah and Idaho, where I’m licensed. Investment and business-purpose financing is not consumer credit in the same way, and I can originate it for borrowers nationwide.
Go deeper on investor financing
Want the full DSCR breakdown?
Ratio bands, a worked example, and answers to the most common investor questions.
Buying a primary home instead?
DSCR and business-purpose loans are investment-only \u2014 see owner-occupied purchase options.
Have a deal you want to run by someone?
Bring me the numbers — purchase price, rent or revenue, timeline — and I’ll tell you honestly what’s financeable.
Loans with Matthew Smith
Matthew Smith · NMLS #2852905
NEXA Lending · Company State License# AZBK – 2006218 | NMLS# 1660690
Licensed in Utah and Idaho.
NEXA Lending · Company State License# AZBK – 2006218 | NMLS# 1660690
Licensed in Utah and Idaho.
Funding timelines vary by borrower, property, and circumstance, and are not guaranteed. This is not a commitment to lend or an offer of credit. All loans subject to credit approval, income and asset verification, and underwriting. Rates, programs, and down payment assistance amounts change without notice and are subject to availability — confirm current terms before relying on any figure on this site. Nothing on this site is tax, legal, or investment advice; consult a qualified professional about your specific situation. Residential mortgage products are offered in Utah and Idaho only. Commercial-purpose and business-purpose financing (including DSCR and investor loans) is not consumer credit and is not subject to consumer mortgage protections such as TILA/RESPA.
⌂ Equal Housing Opportunity. NEXA Lending · Company State License# AZBK – 2006218 | NMLS# 1660690. NMLS Consumer Access: https://www.nmlsconsumeraccess.org/
⌂ Equal Housing Opportunity. NEXA Lending · Company State License# AZBK – 2006218 | NMLS# 1660690. NMLS Consumer Access: https://www.nmlsconsumeraccess.org/