LYNK Mortgage vs Kiavi
Why investors choose a direct lender
with a dedicated loan officer for
fix & flip, rentals, and multifamily.
with a dedicated loan officer for
fix & flip, rentals, and multifamily.
Get Pre-Approved Now
Instant term sheets. No income docs required.
Direct Lending With a Loan Officer on Every Deal
Kiavi (formerly LendingHome) runs a largely automated online lending platform for 1–4 unit residential investors. LYNK Mortgage takes a different approach: it's a direct lender that underwrites and funds its own loans, pairs AI-assisted underwriting with a dedicated loan officer on every deal, and finances the full investor path — fix & flip, new construction, bridge, multifamily bridge, and 30-year fixed DSCR rental loans — under one roof.
This guide shows where LYNK Mortgage gives investors an edge: one accountable loan officer from term sheet to payoff, instant online term sheets with only a soft credit pull, no application fees, multifamily bridge financing beyond 1–4 units, and an Express Lane for repeat borrowers with no volume threshold.
LYNK Mortgage vs Kiavi
| Feature | LYNK Mortgage | Kiavi |
|---|---|---|
| Lending Model | Direct lender — underwrites and funds its own loans | Online platform with AI-powered pricing and approvals |
| Point of Contact | Dedicated loan officer on every deal, from term sheet to payoff | Digital platform with a support team |
| 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 | Priced per deal on its online platform |
| Loan Products | Fix & Flip, New Construction, Bridge, Multifamily Bridge, 30-Year Fixed DSCR | Fix & Flip/Bridge, DSCR & Rental, New Construction |
| Multifamily (5+ Units) | Multifamily bridge, 5–100 units, up to $5 million | 1–4 unit residential only |
| First-Time Flippers | Welcome, with more equity in the deal (up to 85% of cost and 65% of ARV) | Accepted; leverage tiered by experience |
| Repeat Borrowers | Express Lane: faster turn times, no volume threshold | Enterprise Program: 30+ properties and $7M+ purchased in the past 12 months |
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. Human touch, AI speed — not just one or the other
LYNK Mortgage pairs AI-assisted underwriting with a dedicated loan officer on every deal. The AI handles the deterministic work — credit pulls, ARV/comp modeling, document analysis, scope-of-work review — and your loan officer handles the judgment calls that move the file, from term sheet to payoff. Result: a 7–15 day typical close on fix & flip, bridge, and construction (15–21 days on DSCR), with the same person answering your call every time. Kiavi's platform automates most of the process, backed by a support team; with LYNK Mortgage, you always know who owns your file.
2. Live Term Sheets in Minutes, No Application Fees
Rates are moving quickly, so the only 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 an instant online term sheet shows your actual rate and terms for your deal in minutes — with only a soft credit pull at the term-sheet stage and no application fees.
3. Multifamily Bridge, Not Just 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 — a complete toolkit for investors scaling across multiple strategies. Kiavi's programs cover 1–4 unit residential properties; it doesn't lend on mixed-use or commercial property. When you're ready to move into multifamily, LYNK Mortgage can finance it without adding another lender.
4. One Lender From Acquisition to Rental Refinance
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). Rehab funds are held in escrow and released through online draw requests with inspection-based releases, typically funded in 2–5 business days. 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).
5. Express Lane Without a Volume Threshold
LYNK Mortgage welcomes first-time flippers, new rental owners, and seasoned portfolios alike. A first flip qualifies with more equity in the deal (up to 85% of cost and 65% of ARV, with a smaller rehab budget), and completed projects unlock up to 95% of cost and 75% of ARV by tier; new construction requires 3+ completed builds. Once you're a repeat borrower, Express Lane gives you faster turn times on your next deals. Kiavi's Enterprise Program is reserved for investors who have purchased 30+ properties for at least $7 million in the past 12 months with a 720+ FICO; LYNK Mortgage's Express Lane has no volume threshold.
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Who LYNK Mortgage Is Built For
- Investors who value a relationship. A dedicated loan officer who knows your name and your deals, from term sheet to payoff. If you want a partner, not just a platform, LYNK Mortgage is the fit.
- New real estate investors. There's no experience minimum on fix & flip — first-time flippers are welcome, with more equity in the deal (up to 85% of cost and 65% of ARV), and a loan officer walks you through your first deal.
- Investors working across product types. Fix & flip, new construction, bridge, multifamily bridge, and 30-year fixed DSCR — LYNK Mortgage has a complete suite, including multifamily beyond the 1–4 unit properties Kiavi finances.
- Repeat borrowers at any scale. Express Lane speeds up turn times on your next deals, with no minimum number of properties or dollar volume.
- Investors who want real numbers fast. An instant online term sheet with only a soft credit pull and no application fee, then a real person to call with questions.
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
Kiavi is a large online platform built around 1–4 unit residential loans. LYNK Mortgage is built for investors who want a direct lender and a dedicated loan officer on every deal, instant term sheets with a soft credit pull, no application fees, multifamily bridge financing, and an Express Lane with no volume threshold. With $1.4 billion+ funded since 2013 and a 4.7-star rating from 114 Google reviews, LYNK Mortgage is ready for your next deal — start with a live term sheet.
Frequently Asked Questions
Ready to Get a Term Sheet?
Get a live term sheet in minutes with only a soft credit pull and no application fee. See your actual rate, leverage, and terms, and work with a dedicated loan officer from term sheet to payoff. Rates move quickly — see yours today and move on your deal.
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: Lima One Capital, RCN Capital, CoreVest, Easy Street Capital, 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