LYNK Mortgage vs Easy Street Capital
Side-by-side comparison of two of
the fastest private lenders in 2026.
Which is right for your deal?
the fastest private lenders in 2026.
Which is right for your deal?
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Instant term sheets. No income docs required.
Two Fast-Moving Private Lenders: Different Strengths, Different Approaches
In the competitive world of private real estate lending, speed and service quality matter enormously. LYNK Mortgage and Easy Street Capital are two of the most respected names in hard money and fix-and-flip lending, each with a dedicated following among real estate investors. But they take different approaches: one offers a full suite of loan products with personal service, while the other specializes in ultra-fast fix & flip closings with a tech-first model. Understanding their strengths — and tradeoffs — helps you choose the right lender for your specific deal type and timeline.
Feature Comparison: LYNK Mortgage vs Easy Street Capital
| Feature | LYNK Mortgage | Easy Street Capital |
|---|---|---|
| Loan Products | Fix & Flip, DSCR, Bridge, Construction, Multifamily | Fix & Flip (EasyFix), DSCR (EasyRent), Construction (EasyBuild) |
| Fix & Flip Rates | From 8.50% | Competitive (rates not publicly listed) |
| Fix & Flip Close Time | As few as 10 days (Express Lane available) | 48 hours (EasyFix standout feature) |
| DSCR Rates | From 6.00% | Not publicly specified (EasyRent) |
| DSCR Close Time | As few as 10 days | 14-21 days (EasyRent) |
| Max LTC (Fix & Flip) | Up to 95% | Varies (not publicly specified) |
| Max LTV (Fix & Flip) | Up to 70% ARV | Varies (not publicly specified) |
| Appraisal Required? | Yes, standard appraisal | No — internal valuation from photos & scope |
| Construction Loans | Yes, from 9.50%, LTC up to 85% | Yes (EasyBuild) |
| Lending States | 31 states | Nationwide (Austin-based) |
| Service Model | Personal — dedicated loan officer, direct lender | Tech-first — paperless, automated underwriting |
| Best For | Full-service investors, DSCR rentals, portfolio builds | Pure speed on straightforward fix & flip deals |
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
LYNK Mortgage offers five distinct loan products: Fix & Flip, DSCR, Bridge, Construction, and Multifamily. Easy Street Capital focuses primarily on three (Fix & Flip, DSCR, Construction). If you're building a diversified portfolio — flipping properties, holding rentals under DSCR, acquiring multifamily complexes, and financing new construction — LYNK Mortgage becomes your single point of contact for all deal types. This consolidation simplifies operations and builds deeper relationships with a single lender who understands your entire strategy.
2. Superior DSCR Product
LYNK Mortgage's DSCR rates start from 6.00% with closings as few as 10 days. No tax returns required. Easy Street's EasyRent (DSCR) product typically closes in 14-21 days. For rental property investors looking to scale their portfolio, LYNK Mortgage's DSCR product is materially faster and offers more transparent pricing. This advantage compounds when you're buying multiple rentals across quarters — 10 days vs. 21 days represents a 110% speed improvement on every closing.
3. Personal Service & Dedicated Team
LYNK Mortgage assigns a dedicated loan officer to your deal from application through funding. One person owns your file and communicates directly with you. Easy Street emphasizes a tech-first, paperless model — which is efficient, but you interact more with software than with people. For complex deals, portfolio investors managing multiple simultaneous closings, or first-time hard money borrowers, LYNK Mortgage's hands-on approach reduces friction and problem-solving time. You know who to call, and they know your deal.
4. Express Lane Program for Repeat Investors
LYNK Mortgage offers an Express Lane program for repeat and experienced investors — priority fast-track closings 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. Easy Street's speed is built into the product itself (no tiered lanes), which means every deal gets the same treatment regardless of your experience with them.
5. Geographic Breadth — 31 States
LYNK Mortgage lends across 31 states. Easy Street operates nationwide, but their underwriting footprint and appraisal networks are concentrated in specific regions. If you're investing in secondary or tertiary markets — Austin, Phoenix, Tampa, Charlotte, Atlanta, or markets outside major metros — LYNK Mortgage's established presence in 31 states may give you faster appraisal times and smoother local knowledge. Confirm Easy Street's coverage for your specific state and county.
Where Easy Street Capital Stands Out
1. Unmatched Fix & Flip Speed — 48-Hour Closings
Easy Street's EasyFix product closes in as few as 48 hours — faster than any major competitor. LYNK Mortgage's 10-day close is already industry-leading, but Easy Street's 48-hour close is genuinely exceptional. If your deal hinges on capturing a property that dozens of other investors are chasing, and you need to move capital immediately, Easy Street's speed is unbeatable. Real borrowers have confirmed $820K+ acquisition-plus-rehab closings at this pace.
2. No-Appraisal Model — Photos + Scope of Work
Easy Street eliminates the appraisal bottleneck. Their internal valuation team produces accurate ARV estimates from property photos, neighborhood comparables, and your scope of work — no third-party appraiser needed. This single advantage can save 5-7 business days on a standard deal. Appraisals are often the longest single-item wait on traditional closings; Easy Street's in-house model neutralizes this constraint. For time-sensitive acquisitions, this is a massive advantage.
3. Paperless, Tech-First Underwriting
Easy Street's entire platform is designed to eliminate paperwork and document collection. Their approval process completes in under 24 hours for standard deals. If you value digital-first workflows, minimal back-and-forth, and automated underwriting, Easy Street's tech stack is purpose-built for speed. LYNK Mortgage is also efficient, but their model emphasizes personal service — which can mean more contact points and coordination steps, even if your loan officer is responsive.
4. Media Recognition & Capital Markets Validation
Easy Street Capital is named among Forbes Advisor's Best Hard Money Lenders of 2025, cited by HousingWire and The Close, and recently completed a $175 million second RTL securitization in November 2025 at record A1 pricing (I+205 bps). This level of institutional validation — tapping the capital markets at record terms — demonstrates that major financial institutions trust Easy Street's underwriting and loan performance. For investors who want third-party validation of their lender's stability, this track record is reassuring.
5. Straightforward Fee Structure (for Standard Deals)
Easy Street's paperless model translates to simpler fee structures on standard, well-documented deals. Complex files, edge cases, or deals requiring custom structuring may involve more variables. But if you're a seasoned investor doing straightforward acquisition-plus-rehab flips, Easy Street's standardized approach and pricing transparency are appealing. No surprise fees. No hidden costs. Standardized terms for standardized deals.
Which Lender Should You Choose?
Choose LYNK Mortgage if:
- You need DSCR loans for a growing rental portfolio — 6.00% rates and 10-day closes beat the market.
- You want one lender for multiple products (fix & flip, DSCR, construction, bridge, multifamily).
- You value personal service — a dedicated loan officer who knows your business and handles your deals from start to finish.
- You're a repeat investor and want to access the Express Lane program for priority fast-track closings.
- You're investing in secondary or tertiary markets where LYNK Mortgage's 31-state presence and local relationships matter.
- You want transparency upfront with instant term sheets and no surprises.
Choose Easy Street Capital if:
- You need a fix & flip closed in 48 hours and are competing against other offers for the deal.
- Appraisal time is a bottleneck for you — Easy Street's internal valuation model eliminates the appraiser wait.
- You're a tech-forward investor who prefers a paperless, all-digital underwriting experience.
- You do straightforward, well-documented acquisition-plus-rehab flips and want the fastest path to funding.
- You value institutional validation — Easy Street's securitization track record and media recognition provide third-party credibility.
- You want one-off speed over long-term relationship building — you don't need a dedicated loan officer; you need capital fast.
The Bottom Line
Both LYNK Mortgage and Easy Street Capital are serious, well-capitalized lenders with proven track records. LYNK Mortgage excels at building long-term relationships with investors who want full-service support across multiple deal types. Easy Street excels at delivering maximum speed on individual deals with minimal friction. For most diversified real estate investors, LYNK Mortgage's broader product suite, superior DSCR offering, and personal service model provide more long-term value. But if your next deal is a time-sensitive acquisition and you need 48-hour closing capability, Easy Street has no peer. Consider your actual deal pipeline and working style — fast-moving, transactional deals vs. ongoing portfolio builds.
Frequently Asked Questions
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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