NEXA Mortgage, LLC · NMLS# 1660690 · Equal Housing Lender
NEXA Mortgage, LLC · NMLS# 1660690 · Equal Housing Lender
DSCR, fix-and-flip, commercial bridge, and more — tailored financing solutions that move at the speed of your deals. Let's find the right loan for your next investment.
Whether you're a real estate investor scaling your portfolio or a buyer purchasing your first home, I have a loan program designed for your situation.
A DSCR loan is a no-income-verification loan that qualifies borrowers based on the property's rental income versus expenses. If the rental income can cover the mortgage payment — typically a DSCR of 1.0 or higher — you may qualify, even if you're self-employed or have complex finances.
DSCR loans are the go-to financing tool for real estate investors who want to grow their rental portfolio without the W-2 and tax return hurdles of traditional lending.
Apply Now →Fix and flip loans are short-term bridge loans designed for real estate investors who purchase properties to renovate and resell for a profit. These loans are structured to move quickly — so you can close fast, complete your rehab, and get to your next deal without delay.
Loan amounts are typically based on the after-repair value (ARV) of the property, giving experienced investors the capital they need to fund both the purchase and renovation costs in one streamlined loan.
Apply Now →Commercial financing is designed for investors looking to purchase or refinance income-producing properties beyond the single-family space. Whether you're acquiring a multi-family apartment building, a mixed-use property, or a commercial space, I can help structure the right loan for your deal.
Commercial bridge loans are also available for investors who need to move quickly on an acquisition before securing long-term permanent financing. These short-term solutions are ideal for value-add projects and time-sensitive opportunities.
Apply Now →A cash-out refinance allows you to replace your existing mortgage with a new, larger loan and receive the difference in cash. For real estate investors, this is one of the most powerful tools available — it lets you tap the equity you've built in existing properties to fund your next acquisition without selling.
Whether you're using the funds for a down payment on a new investment property, renovations, debt payoff, or expanding your portfolio, a cash-out refinance keeps your capital working without disrupting your existing financing structure.
Apply Now →Self-employed home loans, also known as non-QM loans, are designed for borrowers who may not meet traditional lending requirements. These loans account for variable income that can be difficult to document through standard W-2s or tax returns.
Entrepreneurs, freelancers, and business owners can qualify using bank statements, profit and loss statements, or asset-based documentation — making homeownership and investment property financing accessible regardless of your income structure.
Apply Now →A second mortgage allows homeowners to borrow against the equity they've built up in their property — without refinancing or disrupting their existing first mortgage. The loan amount is typically based on available equity, with the home serving as collateral.
Second mortgages can be a strategic tool for funding home improvements, consolidating debt, or accessing capital for other financial needs. It's important to weigh the benefits and risks carefully — I'm here to walk you through your options.
Apply Now →FHA loans are a popular option for home buyers — particularly first-time buyers — who may not have a large down payment or a high credit score. Insured by the federal government, these loans give lenders the confidence to approve borrowers who might not qualify for a conventional mortgage.
With a down payment as low as 3.5% and more flexible credit requirements, FHA loans make homeownership accessible to a wider range of buyers. They can also be used for streamline or cash-out refinancing down the road.
Apply Now →Conventional loans require a higher down payment than FHA loans — typically 5% to 20% — and stricter credit requirements, with lenders generally looking for a score of 620 or higher. However, borrowers with excellent credit are often rewarded with lower interest rates and better terms.
One key advantage: put down 20% or more and you avoid mortgage insurance entirely, reducing your monthly payment. Conventional loans work for a variety of property types including single-family homes, multi-unit properties, and condominiums.
Apply Now →VA loans are available to veterans, active-duty military members, and eligible surviving spouses. Guaranteed by the Department of Veterans Affairs, these loans allow lenders to offer more favorable terms and interest rates than conventional loans — with no down payment required.
VA loans also eliminate the need for mortgage insurance, saving borrowers significantly on monthly payments. With flexible credit requirements and no down payment, VA loans provide a well-deserved benefit to those who have served our country.
Apply Now →Reverse mortgages allow homeowners 62 and older to convert a portion of their home equity into cash — without selling their home or making monthly mortgage payments. The loan is repaid when the borrower no longer uses the home as their primary residence.
The loan amount depends on the borrower's age, home value, and current interest rates. Reverse mortgages can be used to supplement retirement income, pay off existing debt, or cover unexpected expenses. I'll walk you through every detail so you can make a confident, informed decision.
Apply Now →Share a few details about your project and I'll reach out with personalized financing options. No commitment, no credit pull — just expert guidance from a broker who understands investor needs.
Carmalita Keith began her professional journey in education, spending twenty years as an Instructional Designer. During that time she also ventured into real estate — first as an investor, then as a licensed mortgage loan officer. As an educator at heart, she is passionate about helping potential homebuyers and investors understand the loan options and opportunities available to them.
Carmalita has presented at local real estate events and continues to reach out in her local community and virtually to share information that empowers homebuyers and investors alike. She specializes in DSCR loans for real estate investors while remaining deeply knowledgeable about programs for first-time homebuyers, refinancing, and both traditional and creative loan structures.