Fix and Flip Loans No Money Down

Loan-to-cost is the percentage of your total project cost (acquisition + renovation) that the lender finances. At 95% LTC, LYNK Mortgage funds 95%, you fund 5%. Example: acquire property for $150k, budget $50k rehab, total $200k. 95% LTC = $190k loan, $10k you provide. Over 6-12 months, you renovate and sell. This is capital-efficient: on a $200k project, you're only deploying $10k of your own money upfront. Compare: bank or conventional lenders at 70% LTC would require $60k down, making scaling much harder. LYNK Mortgage's 95% LTC targets experienced flippers who can execute reliably and don't need huge capital per deal.

95% LTC carries higher risk than 70% LTC. You have minimal equity cushion; if project costs overrun or property doesn't sell at projected ARV, you can be underwater. Example: $200k project, $190k loan, $10k your equity. If true rehab costs $220k (not $50k), you're short $30k and your $10k equity is gone. LYNK Mortgage mitigates this by: requiring 10% contingency in budgets (so $55k rehab, not $50k), ordering independent appraisals to verify ARV, inspecting work during draws to prevent shoddy work. As a borrower, you must: be conservative estimating costs, have cash reserves beyond the 5% down, and have exit flexibility (can hold longer or accept lower profit if market softens).

Pure 95% LTC still requires 5% down. To achieve truly zero-money-down, combine: Wholesaling: find deal, contract at $180k, assign for $190k, pocket $10k assignment fee without owning property. Partnership: partner funds 5% down, you project-manage and sweat-equity. Seller financing: negotiate seller to carry 10% of purchase price as second lien; reduces your down payment. Private money: find investor to fund your 5% down in exchange for profit share. JV (joint venture): team with experienced flipper who funds 5% down; you source deals and project-manage. None of these are purely LYNK Mortgage products, but many successful flippers layer LYNK Mortgage's 95% LTC financing with one of these strategies to achieve near-zero-personal-capital deals.

Focus on deal quality over volume: rather than chasing many marginal deals at 95% LTC, cherry-pick strong deals where you have confidence and upside. Build contractor relationships: discounts and reliable teams reduce overruns and delays. Start smaller: prove the process on $150-250k projects before jumping to $500k+ at 95% LTC. Maintain reserves: just because you put down only 5% doesn't mean you have zero skin in the game. Keep 10-20% cash reserves for contingencies. Build with LYNK Mortgage: as you complete deals successfully, you can access streamlined processing for repeat customers (faster approvals) and potentially negotiate better terms on future deals.