Fix and Flip Loans No Money Down

Loan-to-cost is the loan divided by your total project cost (acquisition + renovation). At 95% LTC, the lender funds 95% and you fund 5%—but LTC is only one of three limits. LYNK Mortgage also caps the loan at a share of the as-is value and a share of the ARV, and the lowest limit wins. Example on Prime light-rehab terms for an experienced investor: acquire a property for $250k, budget $50k rehab, total $300k, ARV $400k. Up to 90% of the $250k purchase ($225k) plus the $50k rehab through draws = a $275k loan, inside the 92% LTC and 75%-of-ARV limits, so you provide about $25k. Over 6-12 months, you renovate and sell. This is capital-efficient: on a $300k project, you're deploying roughly $25k of your own money upfront. Compare: bank or conventional lenders at 70% LTC would require $90k down, making scaling much harder. LYNK Mortgage's full 95% LTC is reserved for experienced flippers with strong credit on Expanded light-rehab loans of $250K+, where the ARV cap is 65%.

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: $300k project, $275k loan, $25k your equity. If the project really costs $330k, you're short $30k and your $25k 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 your down payment, and have exit flexibility (can hold longer or accept lower profit if market softens).

Even top-tier 95% LTC still requires 5% down, and most deals need more. To get as close to zero-money-down as possible, combine: Wholesaling: find deal, contract at $180k, assign for $190k, pocket $10k assignment fee without owning property. Partnership: partner funds the down payment, you project-manage and sweat-equity. Private money: find an investor to fund your down payment in exchange for profit share. JV (joint venture): team with experienced flipper who funds the down payment; you source deals and project-manage. None of these are LYNK Mortgage products, and LYNK Mortgage lends in first position only with no subordinate financing behind our loan, so outside capital should come in as equity in your borrowing LLC—not as a second lien. Many successful flippers layer LYNK Mortgage's high-leverage 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 $200-300k projects before jumping to $500k+ at high LTC. Maintain reserves: just because your down payment is small 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.