Terms and conditions.

nexflip, a trade name of Better Rate Mortgage, Inc. (NMLS #1852295), provides you (“the User”) with access to its content, resources, tools, and communication features, including the nex-flip.com website, the deal analyzer, our AI assistant Nico, and the X Club (together, “the Service”), subject to these Terms and Conditions and our Privacy Policy.

Business-purpose loans only

nexflip arranges loans for business purposes, secured by non-owner-occupied investment property. Our loans are not for personal, family, or household purposes. Do not use the Service to finance a home you or your family will live in.

Not an offer or commitment to lend

Rates, leverage, loan amounts, timelines, examples, analyzer results, and anything Nico tells you are estimates and general information, not an offer, approval, or commitment to lend. Final terms are set by the funding lender after underwriting and verification, and are stated in your written term sheet and loan documents. Starting your deal is not an application for credit.

nexflip is a licensed mortgage broker. We arrange loans funded by third-party lenders and capital partners, and we may be paid by you, by the lender, or both, as disclosed in your term sheet and loan documents.

The Service is provided “as is”

nexflip is not responsible for providing you with the equipment or access needed to use the Service. nexflip makes no representations or warranties about the suitability, reliability, availability, timeliness, or accuracy of the information, products, services, and graphics in the Service for any purpose. The Service is provided “as is,” without warranty of any kind, and nexflip disclaims all warranties and conditions with regard to it, to the extent the law allows.

Acknowledgment and acceptance of terms

The Service is provided under these Terms and Conditions, any amendments to them, and any operating rules, policies, and disclosures nexflip publishes from time to time, all of which are included here by reference. These terms are the entire agreement between you and nexflip about the Service and supersede prior agreements on the same subject. By using the Service, or by submitting a form and clicking its button, you agree to be bound by these terms.

Modification of these terms

nexflip may change the terms, conditions, and notices under which the Service is offered. You are responsible for reviewing these terms regularly. Your continued use of the Service means you agree to the terms as changed.

Adjustments to the Service

nexflip may modify or discontinue the Service, or any part of it, temporarily or permanently, with or without notice. nexflip is not liable to you or any third party for any modification or discontinuance of the Service.

User conduct

The Service may include messaging, chat, the X Club deal board, and other communication features (“Tools for Communication”). You agree to use them only to send and receive messages and material that are proper and related to the purpose of the tool, and not to resell, co-brand, or private-label the Service.

As a condition of using the Service, you agree to (a) provide true, accurate, current, and complete information about yourself and your deal on our forms (“Registration Information”), and (b) keep it up to date. If you provide information that is untrue, inaccurate, or incomplete, nexflip may close your account and refuse current or future use of the Service. Providing false information in connection with a loan may also violate the law. You agree that nexflip may use your Registration Information to customize the content you see, fulfill your requests, and contact you about our products, services, and offers, as described in our Privacy Policy.

Usage obligations

You must not use the Service for any illegal purpose, and you are solely responsible for what you transmit through it. You agree not to use the Service to:

• obstruct or interfere with other Users’ use of the Service;
• violate any applicable local, state, national, or international law or regulation;
• impersonate any person or entity, or misrepresent your affiliation with a person or entity;
• interfere with or disrupt the Service or the servers and networks connected to it;
• send surveys, chain letters, junk email, spam, or other duplicative or unsolicited messages;
• post or transmit content that is unlawful, harassing, defamatory, obscene, invasive of another’s privacy, or otherwise objectionable;
• post or transmit content protected by intellectual property laws unless you own or control the rights;
• upload viruses, malware, or other harmful code;
• stalk or harass other Users, or collect or store personal data about them;
• advertise or offer to sell goods or services unless the Service specifically allows it, or offer securities or solicit investment capital from the public;
• copy, scrape, resell, or exploit any part of the Service for commercial purposes;
• violate the Fair Credit Reporting Act or any other law.

nexflip has no obligation to monitor the Service but may review and remove any material, and may suspend or end your access at any time, without notice, for any reason. nexflip may disclose information as necessary to satisfy any applicable law, regulation, legal process, or government request.

User account and password security

You will provide current, complete, and accurate information when you create an account and choose your login. You are responsible for keeping your password and account confidential and for all activity under your account. Notify us immediately of any unauthorized use or security breach, and sign out at the end of each session. nexflip is not liable for loss or damage from unauthorized use of your account. You may be liable for losses nexflip or others suffer because you did not follow this section. Do not use anyone else’s account without permission.

The deal analyzer and Nico

The deal analyzer gives estimates based on what you enter and our published pricing. Nico is an AI system, not a person. It can make mistakes, and it does not approve, decline, or set terms. Confirm anything important with a licensed loan officer, and do not share Social Security numbers, bank details, or passwords in chat.

Our content

The Service’s content, the nexflip name, and the x mark belong to nexflip or its licensors. You may view and print pages for your own use; any other use requires our written permission.

Third-party services

Our application portal, funding lenders, and linked sites are run by third parties under their own terms. We are not responsible for their content or practices.

The X Club

X Club membership is also governed by the X Club Terms.

No advice; investment risk

nexflip does not give legal, tax, accounting, or investment advice. Real estate investing involves risk, including the loss of money; profit figures in the Service are illustrative only.

Limitation of liability and indemnity

To the extent the law allows, nexflip and Better Rate Mortgage, Inc. are not liable for indirect, incidental, special, or consequential damages arising from your use of the Service. This does not limit rights you have under applicable lending or consumer protection laws. You agree to indemnify nexflip against claims arising from your misuse of the Service or your violation of these terms.

Governing law

These terms are governed by California law. Disputes will be resolved in the state or federal courts located in Placer County, California, unless the law requires otherwise.

Contact us

nexflip · Better Rate Mortgage, Inc.
2998 Douglas Blvd, Ste 325, Roseville, CA 95661
(916) 742-7400 · hello@nex-flip.com

This document was last updated on 11/06/2026.