When a guy starts using the word love towards you for example if he says I love your chubby tummy, is he wanting something serious or a fling?

He flirts when me when he wants and is very attracted
to me but he's not mentioning anything about being exclusive.

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loving something about how you look is not an expression of romantic love.
He probably would like to go to bed with you, though; would you like to go to bed with him, if romantic love or exclusivity are not involved?