LYNK Mortgage vs Groundfloor
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Why Investors Choose a Direct Lender
Groundfloor pairs a lending arm (Groundfloor Lending) with a retail investing platform: it funds loans up front and then sells fractional interests in them to individual investors. LYNK Mortgage is a direct lender that underwrites and funds its own loans, with AI-assisted underwriting and a dedicated loan officer on every deal, from term sheet to payoff.
For fix & flip investors, that means one accountable lender, more ARV leverage, instant online term sheets, and room to grow into multifamily bridge, new construction, and 30-year fixed DSCR rental loans without changing lenders. Here's how LYNK Mortgage compares.
LYNK Mortgage vs Groundfloor
| Feature | LYNK Mortgage | Groundfloor |
|---|---|---|
| Lending Model | Direct lender — underwrites and funds its own loans | Lender + retail investing platform (sells loan interests to crowd investors) |
| Loan Products | Fix & Flip, New Construction, Bridge, Multifamily Bridge, 30-Year Fixed DSCR | Fix & Flip, Bridge, New Construction, DSCR (1–4 units) |
| Multifamily (5+ Units) | Multifamily bridge, 5–100 units, up to $5 million | 1–4 unit residential only |
| Max ARV Leverage (Fix & Flip) | Up to 75% of ARV (by tier) | Up to 70% of ARV |
| Minimum Credit Score (Fix & Flip) | 660 (Prime); down to 580 on the Expanded tier (loans $250,000+) | 640 |
| Rates & Term Sheet | From 8.75% (fix & flip); instant online term sheet with a soft credit pull and no application fee | Rates vary by experience and project; quoted per deal |
| Point of Contact | Dedicated loan officer on every deal, from term sheet to payoff | One point of contact |
Last updated: September 2026. Competitor details reflect publicly available information and may change. Rates move quickly — get a live LYNK Mortgage term sheet for current pricing on your deal.
Why Investors Choose LYNK Mortgage
1. A Direct Lender From Term Sheet to Payoff
LYNK Mortgage underwrites and funds its own loans, and your dedicated loan officer stays with you from term sheet to payoff. Groundfloor funds its loans up front and then sells fractional interests in them to retail investors on its platform. With LYNK Mortgage, the lender that approves your deal is the lender you work with all the way through — one relationship and one point of contact.
2. Human touch, AI speed — 7–15 day typical close
LYNK Mortgage closes fix & flip in 7–15 days typical from application to funding. AI-assisted underwriting handles the deterministic work (credit pulls, ARV/comp modeling, document analysis, scope-of-work review) and a dedicated loan officer on every deal handles the judgment calls that keep your file moving.
3. Live 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 an instant online term sheet shows your actual rate, leverage, and terms in minutes, with only a soft credit pull and no application fees. You know what you're paying before you commit.
4. Multifamily Bridge Beyond 1–4 Units
LYNK Mortgage offers fix & flip, new construction, bridge, multifamily bridge (5–100 units, up to $5 million), and 30-year fixed DSCR loans. Groundfloor offers fix & flip, bridge, new construction, and DSCR loans on 1–4 unit residential properties. If you're scaling into multifamily, LYNK Mortgage can finance it without adding another lender.
5. Higher ARV Leverage — Up to 75% vs 70%
LYNK Mortgage lends up to 75% of after-repair value on fix & flip (by tier), versus up to 70% of ARV at Groundfloor, and up to 95% of cost. Rehab funds are held in escrow and released through online draw requests with inspection-based releases, typically funded in 2–5 business days. A dedicated loan officer walks you through where your deal lands before you commit.
6. One Lender From Flip to Rental
Buy and renovate with a fix & flip loan, then refinance into a 30-year fixed DSCR rental loan with the same lender (two separate loans). LYNK Mortgage's DSCR loans are 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). With $1.4 billion+ funded since 2013 and a 4.7-star rating from 114 Google reviews, LYNK Mortgage is a lender investors come back to.
Learn about LYNK Mortgage's Fix and Flip Loans →
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Who LYNK Mortgage Is Built For
- Investors who want one accountable lender. 7–15 days typical, and the lender that underwrites your loan is the lender that funds it, with one loan officer from term sheet to payoff.
- Flippers who want more ARV leverage. LYNK Mortgage lends up to 75% of ARV by tier, versus 70% at Groundfloor.
- Investors scaling across loan types. If you're growing across fix & flip, DSCR rentals, bridge, and multifamily, LYNK Mortgage is a one-stop shop. Groundfloor's programs cover 1–4 unit residential only.
- Investors building credit alongside experience. The Expanded fix & flip tier accepts credit scores down to 580 on loans of $250,000+.
- Investors who want real numbers fast. An instant online term sheet with only a soft credit pull and no application fee.
Rates Move Quickly — Compare Live Term Sheets
Advertised starting rates can go stale fast in a moving market, and the rate you're offered depends on your deal, credit, and experience. Get a live LYNK Mortgage term sheet in minutes — soft credit pull only, no application fee — and compare it line by line with any other quote you have: rate, points, fees, leverage, and closing timeline.
The Bottom Line
Groundfloor combines lending with a retail investing platform. LYNK Mortgage is a direct lender built for investors who want more ARV leverage, multifamily bridge financing, a path from flip to 30-year fixed rental loan, instant term sheets with no application fees, and a dedicated loan officer on every deal. Close in 7–15 days typical — start with a live term sheet.
Frequently Asked Questions
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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, 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