LYNK Mortgage vs Constructive Capital
Work directly with your lender:
instant term sheets and a dedicated
loan officer on every deal.
instant term sheets and a dedicated
loan officer on every deal.
Get Pre-Approved Now
Instant term sheets. No income docs required.
Direct Access vs a Broker-Only Wholesale Lender
LYNK Mortgage is a direct lender that underwrites and funds its own fix & flip, bridge, construction, multifamily bridge, and 30-year fixed DSCR loans. Investors can come straight to LYNK Mortgage, get an instant online term sheet, and work with a dedicated loan officer from term sheet to payoff (and if you already use a mortgage broker, LYNK Mortgage works with brokers too). Constructive Capital, wholly owned since July 2025 by Adamas Trust (NASDAQ: ADAM, formerly New York Mortgage Trust), is a wholesale lender that offers its loans only through mortgage brokers.
If you want to deal with your lender yourself, LYNK Mortgage is built for that: live terms in minutes with only a soft credit pull, no application fees, a 30-day rate lock, and a 7–15 day typical close on fix & flip, bridge, and construction (15–21 days on DSCR).
Quick Comparison: LYNK Mortgage vs Constructive Capital
| Feature | LYNK Mortgage | Constructive Capital |
|---|---|---|
| How You Apply | Directly with the lender (mortgage brokers welcome too) | Only through a mortgage broker (wholesale only) |
| Point of Contact | A dedicated loan officer at the lender, from term sheet to payoff | Your mortgage broker |
| Getting Terms | Instant online term sheet with live rates (soft credit pull only); DSCR from 7.00%, fix & flip from 8.75% | Through your broker; DSCR rates not publicly listed |
| Rate Lock | 30 days | 21-day locks on DSCR |
| Fix & Flip Leverage | Up to 95% of cost / 75% of ARV (by tier) | Up to 95% total LTC, capped at 75% of ARV (by tier) |
| Bridge Loan Size | Up to $3 million | Up to $2M |
| DSCR Rental Loans | 30-year fixed, fully amortizing, up to 80% LTV, no tax returns | Up to 80% LTV (75% cash-out) |
Last updated: September 2026. Constructive Capital details reflect publicly available information and may change. Rates are moving quickly — get a live LYNK Mortgage term sheet for current pricing. Terms vary based on credit, deal quality, experience, and market conditions.
Why Investors Choose LYNK Mortgage
1. Direct Access — You Work with the Lender
LYNK Mortgage is a direct lender. You apply, get your term sheet, and work with the loan officer at the company that underwrites and funds your loan, with no broker layer on a direct deal. Constructive Capital is wholesale-only, so borrowers can reach its capital only through a mortgage broker. With LYNK Mortgage, you can talk to the people making decisions on your loan.
2. A Dedicated Loan Officer, Backed by AI-Assisted Underwriting
Every LYNK Mortgage deal gets a dedicated loan officer, one point of contact from term sheet to payoff. AI-assisted underwriting handles the deterministic work (rent-comparable analysis, DSCR calculation, credit pulls, document analysis), and your loan officer handles the judgment calls, working with you directly.
3. Instant Term Sheets and a 30-Day Rate Lock
Get a term sheet online in minutes with only a soft credit pull and no application fees. Rates are moving quickly, so seeing live terms before you commit matters. LYNK Mortgage rate locks run 30 days, compared with the 21-day locks Constructive Capital publishes for its wholesale DSCR loans.
4. Fast Closes and an Express Lane
LYNK Mortgage typically closes fix & flip, bridge, and construction loans in 7–15 days and DSCR loans in 15–21 days, working with you directly. Once you've closed a deal, Express Lane gives you faster turn times on your next one.
5. Full Product Suite — Including Multifamily Bridge
LYNK Mortgage offers fix & flip (from 8.75%, up to 95% of cost and 75% of ARV by tier, with rehab draws typically funded in 2–5 business days), bridge loans up to $3 million, new construction (up to 85% LTC for builders with 3+ completed builds), multifamily bridge (5–100 units, up to $5 million), and 30-year fixed DSCR (from 7.00%), all under one roof. Constructive Capital's published bridge program tops out at $2M. With LYNK Mortgage, one direct lender can take you from acquisition and rehab through the rental refinance (two separate loans).
6. A Direct Track Record — $1.4 billion+ Funded
Since 2013, LYNK Mortgage has funded over $1.4 billion and earned 4.7 stars from 114 Google reviews, working directly with the investors it lends to. If you'd rather build the relationship with your lender yourself, LYNK Mortgage is built for that.
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Who LYNK Mortgage Is Built For
- Investors who want to work directly with their lender, with no broker required
- Investors who need multiple loan products (fix & flip, bridge, construction, multifamily bridge, DSCR) from one lender they can call directly
- Investors who want live terms before committing: an instant online term sheet with a soft credit pull and no application fees
- Investors who need speed: 7–15 days typical on fix & flip, bridge, and construction, and 15–21 days on DSCR
- Borrowers who want a dedicated loan officer and a 30-day rate lock
- Repeat borrowers who want Express Lane's faster turn times
- Mortgage brokers, too: LYNK Mortgage works with brokers as well as direct borrowers
The Bottom Line
Constructive Capital is a wholesale lender you can reach only through a mortgage broker. LYNK Mortgage lets you work with the lender directly: an instant term sheet, a dedicated loan officer, a 30-day rate lock, and 7–15 day typical closes on short-term loans. Rates are moving quickly — see your live term sheet in minutes.
Frequently Asked Questions
Ready to Get Started?
Work with the lender directly. Get an instant online term sheet with live rates and a soft credit pull, a dedicated loan officer, and a 7–15 day typical close on fix & flip and bridge (15–21 days on DSCR). No application fees.
Get Pre-Approved Now
Instant term sheets. No income docs required.
The LYNK Mortgage Difference
Fast Typical Close
7–15 days on flip, bridge, and construction; 15–21 days on DSCR.
Instant Term Sheets
Transparent rates, terms, and fees upfront — no hidden surprises.
No Tax Returns
We focus on the deal, not your personal paperwork.
Human Touch, AI Speed
AI-assisted underwriting paired with one dedicated loan officer from start to finish — no handoffs.
Direct Lender
We make our own decisions and fund with our own capital.
$1.4 billion+ Funded
Trusted by investors in 32 states with a proven track record.
Compare LYNK Mortgage with: Kiavi, Lima One Capital, RCN Capital, CoreVest, Easy Street Capital, New Silver, Groundfloor, Roc360, Visio Lending
Copyright © 2026 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.
LYNK Mortgage is a private lender and does not provide investment advisory services. Its affiliate, LYNK Capital Management Company, LLC, is an investment adviser registered with the U.S. Securities and Exchange Commission; registration does not imply any particular level of skill or training. Nothing on this site is investment advice, a recommendation, or an offer to sell or a solicitation of an offer to buy any security or advisory service.
2301 Sugar Bush Road, Suite 310, Raleigh, NC 27612