Can I lock my rate for more than 90 days?

Typically no—LYNK Mortgage locks for 30-45 days standard, extensions possible for additional fee (0.125% per 30 days). Most deals close within lock window, so extensions aren't necessary.

Will my rate decrease if Treasury yields drop?

Not after you lock—rate locks are binding. Your rate is fixed from lock date through closing. If you don't lock, quoted rates fluctuate daily with Treasury yields.

Is the 6.00% DSCR rate actually available, or is that an ad rate?

6.00% is available for best-qualified borrowers (680+ credit, 1.5+ DSCR, 25%+ down, no prepayment penalty). Most borrowers pay 6.5-7.5% depending on their profile.

Should I pay points to buy down my rate?

Only if you plan to hold 5+ years. If you might sell or refinance sooner, the points won't pay back. LYNK Mortgage can model both options for you.

DSCR Loan Rates Today: Current Pricing and What Drives Rates

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Quick Facts

LYNK Mortgage Base Rate

From 6.00%

Typical Range

6.00%-8.00%

vs Conventional

+1.5-3.0%

vs Hard Money

-2-4%

Rate Lock

30-90 days

LYNK Mortgage offers DSCR loan rates from 6.00% in the current market (as of April 2026). Rates depend on 10-year Treasury yields, lender spread, credit profile, LTV, DSCR ratio, and rate environment. DSCR rates are 1.5-3% higher than conventional mortgages but cheaper than hard money.

Current Market Context (April 2026)

LYNK Mortgage's DSCR rates start at 6.00% for best-qualified borrowers (680+ credit, 1.5+ DSCR, 25%+ down). Most borrowers close in the 6.5-7.5% range depending on credit, LTV, and DSCR strength. For comparison: conventional loans are 4.5-5.5%, hard money is 8.5-10%+. The 6.00% base reflects the current 10-year Treasury (around 3.5%) plus LYNK Mortgage's mortgage spread (2.5%) plus borrower risk adjustments. Rates change daily based on macro factors; Contact us for current rates.

What Drives DSCR Rates

10-year Treasury yield: the foundation of all mortgage rates. When Treasuries rise, DSCR rates rise; when Treasuries fall, DSCR rates fall. Lender spread: LYNK Mortgage's margin above Treasury; competitive lenders have 2.0-3.0% spread. Credit score: 620 adds 0.75-1.5%, 680+ gets base rate. DSCR ratio: 0.75-1.0 adds 0.5%, 1.0-1.25 adds 0.25%, 1.5+ gets base rate. LTV: 80% LTV is base, 85% LTV might add 0.25-0.5%. Rate environment: during volatile markets, rates might be higher due to uncertainty. LYNK Mortgage locks rates for 30-90 days; after lock expires, new rate quote is necessary.

DSCR vs Other Loan Types

Conventional (owner-occupied): 4.5-5.5%, but requires 700+ credit, <43% DTI, full documentation. DSCR: 6.00%-8.0%, no DTI limits, no tax returns required. Portfolio loan (bank-keep): 5.5-6.5%, limited availability, bank-specific terms. Hard money (fix & flip): 8.5-10%+, short term, fastest close. DSCR is middle-ground: cheaper than hard money, more scalable than conventional. The 1.5-3% rate premium is the cost of flexibility.

How to Lock and Negotiate Rates

LYNK Mortgage offers free rate locks for 30-45 days from pre-qualification. Lock your rate when you make an offer on a property; the lock covers you through closing. If rates drop after you lock, you're stuck with your rate (downside of locking). If rates rise, your lock protects you (upside). Some borrowers skip locking, betting rates will drop; risky if rates rise instead. LYNK Mortgage also offers rate-buy-down (pay 1-2% of loan as discount points to reduce rate 0.25-0.50%), useful if you plan to hold long-term. For experienced investors with multiple properties, LYNK Mortgage sometimes negotiates portfolio rates (slightly lower) based on relationship and loan volume.

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Frequently Asked Questions

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The LYNK Mortgage Difference

Close in 10 Days

From application to funding — move at the speed of your deal.

Instant Term Sheets

Transparent rates, terms, and fees upfront — no hidden surprises.

No Tax Returns

We focus on the deal, not your personal paperwork.

Dedicated Team

One loan officer on your deal from start to finish — no handoffs.

Direct Lender

We make our own decisions and fund with our own capital.

$1 billion+ Funded

Trusted by investors nationwide with a proven track record.

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LYNK Mortgage offers fix & flip loans, new construction loans, multi-family bridge loans, and DSCR rental loans to real estate investors.

Disclaimers: LYNK Mortgage makes loans solely for business purposes (and not for personal or consumer use) and is exempt from licensing in all states in which it operates. LYNK Mortgage does not lend on owner-occupied properties. Listed rates, terms, and conditions are offered only to qualified borrowers, may vary by loan product, deal structure, property state, or other applicable considerations, and are subject to change at any time without notice. No information on this site is intended to, or shall, create a legally binding commitment or obligation on the part of LYNK Mortgage and all terms are expressly subject to LYNK Mortgage's credit, legal, and investment approval process.

2301 Sugar Bush Road, Suite 310, Raleigh, NC 27612