LYNK Mortgage vs Constructive Capital
Full-service direct lender vs
wholesale DSCR specialist.
Which is right for you?
wholesale DSCR specialist.
Which is right for you?
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Instant term sheets. No income docs required.
Two Different Approaches to Private Lending
LYNK Mortgage and Constructive Capital represent two distinct lending philosophies in the private real estate finance space. LYNK Mortgage is a full-service direct lender offering fix & flip, bridge, construction, multifamily, and DSCR products, working directly with investors. Constructive Capital is a specialized wholesale lender focused exclusively on DSCR loans for rental properties, working only with mortgage brokers.
This comparison helps you understand which lender aligns with your needs: choose LYNK Mortgage if you want multiple loan products, direct borrower access, and speed; choose Constructive Capital if you're a broker seeking a streamlined DSCR specialist with predictable 20-day timelines and strong rate-lock protections.
Quick Comparison: LYNK Mortgage vs Constructive Capital
| Feature | LYNK Mortgage | Constructive Capital |
|---|---|---|
| Product Suite | Fix & Flip, Bridge, Construction, Multifamily, DSCR | DSCR only |
| DSCR Rates | 6.00% | 7.00%+ |
| DSCR Max LTV | 80% | 75% |
| Close Time (DSCR) | As few as 10 days | 20 days typical |
| Fix & Flip | 8.50%, 70% ARV, 95% LTC, 12 months | Not offered |
| Bridge Loans | 8.75%, 75% LTV, 24 months | Not offered |
| Construction | 9.50%, 70% LTV, 85% LTC, 18 months | Not offered |
| Channel | Direct to borrower | Wholesale only (broker-referred) |
| Rate Lock | Floating | 30-day standard |
| Lending States | 31 states | Not publicly specified |
| Total Funded | $1B+ | Smaller operation |
| Best For | Multiple loan products, direct relationship, speed | Brokers seeking DSCR specialist with fast closes |
Last updated: April 2026. Rates and terms reflect publicly advertised information and may vary based on credit, deal quality, experience, and market conditions. Confirm current rates directly with each lender.
Where LYNK Mortgage Wins
1. Full Product Suite — One Lender for Every Deal Type
LYNK Mortgage offers fix & flip (8.50%), bridge loans (8.75%), construction financing (9.50%), multifamily, and DSCR (6.00%) all under one roof. Constructive Capital offers DSCR exclusively. If you're scaling your investment portfolio across multiple strategies — buying rentals, flipping properties, bridging acquisitions, and building new construction — LYNK Mortgage gives you consistency, relationship leverage, and negotiating power with a single lender who understands your entire portfolio.
2. Direct-to-Borrower Access — You Control Your Loan
LYNK Mortgage works directly with investors. You apply, speak to a loan officer, and close directly. Constructive Capital is wholesale-only, meaning you must have a mortgage broker relationship to access their capital. Direct lending gives you more control over underwriting decisions, faster communication, and the ability to negotiate terms directly without a broker intermediary taking a fee or adding delays.
3. Speed — 10 Days vs 20 Days
LYNK Mortgage closes DSCR loans in as few as 10 days. Constructive Capital targets 20-day closes. On a competitive deal where you're bidding against other investors, a 10-day close can be the difference between winning and losing the property. LYNK Mortgage's speed is backed by dedicated loan officers, streamlined underwriting, and direct decision-making authority — not committee-based approval.
4. Express Lane for Repeat Investors
LYNK Mortgage offers Express Lane for experienced and repeat investors, providing even faster turnarounds and priority processing. Constructive Capital does not offer an accelerated program for high-volume or experienced borrowers.
5. Scale and Capital — $1B+ Funded
LYNK Mortgage has funded over $1 billion and operates in 31 states. Constructive Capital is a smaller, more focused operation. Larger lenders typically offer more flexible underwriting, faster approvals, and the ability to handle larger loan amounts without consortium arrangements.
Where Constructive Capital Stands Out
1. DSCR Specialization and Deep Expertise
Constructive Capital focuses exclusively on DSCR loans. This specialization means their entire underwriting process, pricing, and team are optimized for rental property cash flow analysis. If DSCR expertise and streamlined underwriting for this single product is your priority, a specialist may understand nuances that a full-service lender handles as one of many products.
2. Clear 20-Day SLA (Service Level Agreement)
Constructive Capital publicly commits to funding "the majority of approved wholesale applications within 20 days." This is one of the clearest service-level commitments in the private lending space. If you're a broker working with multiple lenders and need a reliable, predictable close timeline, this transparency is valuable.
3. 30-Day Rate Lock Standard
Constructive Capital offers a standard 30-day rate lock, providing certainty on your borrowing costs while underwriting and appraisals move forward. This protection can be valuable in volatile rate environments. LYNK Mortgage offers floating terms, which may be lower but expose you to rate changes between application and close.
4. Pure Cash Flow Underwriting
Constructive Capital's DSCR underwriting is purely property-focused, using lease agreements and rental income to qualify. No wage or income documentation is required or analyzed. If your income profile is complex but your rental property's cash flow is strong, this singular focus may simplify qualification.
5. Wholesale Model Efficiency
By focusing on wholesale lending (broker channel only), Constructive Capital reduces operational complexity. If you're a mortgage broker with a consistent deal flow, you benefit from a lender optimized for your workflow without the overhead of direct-to-consumer marketing and support.
Which Lender Should You Choose?
Choose LYNK Mortgage if you:
- Need multiple loan products (fix & flip, bridge, construction, DSCR) under one lender
- Want to work directly with a lender without a broker intermediary
- Prioritize speed — you need a closing in 10 days or less
- Are a repeat or experienced investor who wants to leverage an Express Lane program
- Want transparent pricing and a dedicated loan officer throughout the process
- Need to scale across multiple states (LYNK Mortgage operates in 31 states)
- Value a lender with proven track record ($1B+ funded)
Choose Constructive Capital if you:
- Are a mortgage broker with a DSCR-focused deal pipeline
- Want to partner with a lender who specializes exclusively in DSCR
- Value a clear, published 20-day close timeline with SLA commitment
- Appreciate rate lock protection (30-day standard) during the underwriting process
- Prefer a streamlined wholesale workflow without direct-to-consumer overhead
- Are sourcing deals for other investors where broker relationships are the norm
Frequently Asked Questions
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We offer direct borrower access, multiple loan products, and close in as few as 10 days. Get a transparent term sheet in minutes with no income documentation required.
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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.
Copyright © LYNK Mortgage. All Rights Reserved.
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