LYNK Mortgage vs Easy Street Capital
Faster DSCR closes, more fix & flip
leverage, and a loan officer on every
deal, from term sheet to payoff.
leverage, and a loan officer on every
deal, from term sheet to payoff.
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Instant term sheets. No income docs required.
Full-Service Lending, From Your Flip to Your Rental
Easy Street Capital is an Austin-based hard money lender with three core programs: EasyFix, EasyRent, and EasyBuild. LYNK Mortgage is a direct lender that underwrites and funds its own loans across five products — fix & flip, new construction, bridge, multifamily bridge, and 30-year fixed DSCR rental loans — with AI-assisted underwriting and a dedicated loan officer on every deal.
For investors who flip, hold, and scale, that means one lender and one point of contact, a 15–21 day typical DSCR close, up to 95% of cost on fix & flip by tier, and instant online term sheets with no application fees. Here's how LYNK Mortgage compares.
Feature Comparison: LYNK Mortgage vs Easy Street Capital
| Feature | LYNK Mortgage | Easy Street Capital |
|---|---|---|
| Loan Products | Fix & Flip, New Construction, Bridge, Multifamily Bridge, 30-Year Fixed DSCR | Fix & Flip/Bridge (EasyFix), DSCR (EasyRent), Construction (EasyBuild) |
| Rates & Term Sheet | From 8.75% (fix & flip) and 7.00% (DSCR); instant online term sheet with a soft credit pull and no application fee | Same-day term sheet |
| DSCR Close Time | 15–21 days typical | As little as 30 days (EasyRent) |
| Max LTC (Fix & Flip) | Up to 95% (by tier) | Up to 93% (90% of purchase, 100% of rehab) |
| Max LTV (Fix & Flip) | Up to 75% ARV (by tier) | Up to 75% ARV |
| Minimum Credit Score (Fix & Flip) | 660 (Prime); down to 580 on the Expanded tier (loans $250,000+) | 600 (EasyFix) |
| Point of Contact | Dedicated loan officer on every deal, from term sheet to payoff | In-house underwriting and servicing team |
Last updated: September 2026. Competitor details reflect publicly available information and may change. Terms vary based on credit, deal quality, and experience. Rates move quickly — get a live LYNK Mortgage term sheet for current pricing on your deal.
Why Investors Choose LYNK Mortgage
1. Full Product Suite
LYNK Mortgage offers five distinct loan products: Fix & Flip, New Construction, Bridge, Multifamily Bridge (5–100 units, up to $5 million), and 30-year fixed DSCR. Easy Street Capital focuses on three core programs (Fix & Flip/Bridge, DSCR, Construction). If you're building a diversified portfolio — flipping properties, holding rentals, acquiring multifamily, and financing new construction — LYNK Mortgage becomes your single point of contact for every deal type, from acquisition and rehab through the rental refinance (two separate loans).
2. Faster DSCR Closes — 15–21 Days Typical
LYNK Mortgage's DSCR loans close in 15–21 days typical; Easy Street's EasyRent advertises closings in as little as 30 days. AI-assisted underwriting handles the deterministic work (rent comps, DSCR calculation, credit and document analysis) and a dedicated loan officer on every deal handles the judgment calls. LYNK Mortgage's DSCR loans are 30-year fixed and fully amortizing, qualify on rental income with no tax returns, go up to 80% LTV, and let you choose your prepayment term, including none (priced higher).
3. More Fix & Flip Leverage
Experienced investors can borrow up to 95% of cost and 75% of ARV with LYNK Mortgage by tier, versus up to 93% of cost on EasyFix. LYNK Mortgage's Expanded tier accepts credit scores down to 580 (EasyFix's minimum is 600), and first-time flippers are welcome with more equity in the deal. Rehab funds are held in escrow and released through online draw requests with inspection-based releases.
4. Instant Term Sheets, No Application Fees
Rates are moving quickly, so the number that matters is the one on your term sheet. LYNK Mortgage's fix & flip rates start from 8.75% and DSCR rates from 7.00%, and its online term sheet is instant, with only a soft credit pull and no application fees. You see your actual rate and terms in minutes, then talk them through with your loan officer.
5. Personal Service & Dedicated Team
LYNK Mortgage assigns a dedicated loan officer to your deal from term sheet to payoff. One person owns your file and communicates directly with you. Easy Street underwrites in-house and services its own loans, with a team supporting each deal; with LYNK Mortgage, one named loan officer owns your file end to end. For complex deals, portfolio investors managing multiple simultaneous closings, or first-time borrowers, that hands-on approach reduces friction and problem-solving time. You know who to call, and they know your deal.
6. Express Lane Program for Repeat Investors
LYNK Mortgage offers an Express Lane program for repeat borrowers — priority processing and faster turn times on pre-vetted profiles. If you have a track record with LYNK Mortgage, your second, third, and tenth deals move even faster than standard timelines. With $1.4 billion+ funded since 2013 and a 4.7-star rating from 114 Google reviews, it's a relationship investors come back to.
Learn about LYNK Mortgage's Fix and Flip Loans →
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Who LYNK Mortgage Is Built For
- Rental investors growing a DSCR portfolio — a 15–21 day typical DSCR close, 30-year fixed financing, and a loan officer who knows your portfolio.
- Investors who want one lender for multiple products (fix & flip, new construction, bridge, multifamily bridge, and DSCR).
- Flippers who want to keep more cash in reserve — up to 95% of cost by tier for experienced investors.
- Investors who value personal service — a dedicated loan officer who knows your business and handles your deals from start to finish.
- Repeat investors who want the Express Lane program's faster turn times on every deal that follows.
- Anyone who wants real numbers fast — an instant term sheet, soft credit pull only, and no application fees.
The Bottom Line
Easy Street Capital focuses on three core programs. LYNK Mortgage is built for investors who want more from one lender: five products under one roof, a 15–21 day typical DSCR close, up to 95% of cost on fix & flip by tier, instant online term sheets with no application fees, and a dedicated loan officer on every deal. Rates move quickly — get a live term sheet in minutes and compare it with any quote you have.
Frequently Asked Questions
Ready to Get Pre-Approved?
Get an instant term sheet with transparent rates and terms for fix & flip, DSCR, bridge, construction, and multifamily bridge loans — soft credit pull only, no application fee. Your dedicated loan officer will walk you through which product fits your deal and how fast we can close.
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, New Silver, Groundfloor, Roc360, Visio Lending, Constructive Capital
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