LYNK Mortgage vs Lima One Capital
Head-to-head comparison: Speed, products,
rates, and terms from two full-stack
private real estate lenders.
rates, and terms from two full-stack
private real estate lenders.
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Comparing Two Full-Stack Private Lenders
Both LYNK Mortgage and Lima One Capital are direct lenders offering a complete suite of real estate financing products: fix & flip loans, DSCR rental financing, bridge loans, and new construction funding. They're the closest competitors in the market, each catering to experienced real estate investors and serious borrowers. But they differ significantly in speed, service model, and lending approach.
This guide compares LYNK Mortgage and Lima One Capital across the metrics that matter most: closing speed, product depth, rates, loan terms, experience requirements, and overall lending philosophy. If you're deciding between these two lenders, the differences below should help you choose.
LYNK Mortgage vs Lima One Capital
| Feature | LYNK Mortgage | Lima One Capital |
|---|---|---|
| Products | Fix & Flip, DSCR, Bridge, New Construction | Fix & Flip, DSCR, Bridge, New Construction, Fix2Rent, Build2Rent |
| Fix & Flip Rates | 8.50%+ | Varies (experience-based) |
| DSCR Rates | 6.00%+ | 6.50%+ |
| Max LTC (Fix & Flip) | Up to 95% | Up to 95% (experienced) |
| Max LTV (Fix & Flip) | Up to 70% ARV | Up to 75% LTARV (experienced) |
| Fastest Close | 10 days | 3+ weeks (3 days from complete file) |
| Experience Required | None — all experience levels | Minimum 1 completed flip in 36 months |
| Express/VIP Program | Express Lane (repeat customers) | Experience-based pricing tiers |
| States | 31 states | Nationwide (primary: Southeast) |
| Founded | 2020 | 2009 |
| Single-Close Products | Not available | Fix2Rent, Build2Rent |
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. Speed — 10-Day Closes vs 3+ Weeks
LYNK Mortgage closes in as few as 10 days from application to funding. Lima One advertises 20-30 day closes typically, though they claim "3 days from complete file" for repeat borrowers. The difference is material: 10 days means you can move on a opportunity quickly, while 3+ weeks ties up capital and delays your deployment. If time is your most valuable asset, LYNK Mortgage's speed is decisive.
2. No Experience Required
LYNK Mortgage lends to investors at all experience levels — first-time flippers, new rental property owners, and seasoned portfolios all qualify equally. Lima One requires a minimum of 1 completed flip or exit in the last 36 months for their fix & flip product. If you're new to real estate, LYNK Mortgage is more accessible. If you're experienced, both work, but LYNK Mortgage doesn't penalize you for being new.
3. Express Lane Program for Repeat Customers
LYNK Mortgage's Express Lane program is designed specifically for repeat borrowers and experienced investors. Once you've closed one deal with LYNK Mortgage, your second and subsequent applications move through a fast-track process with priority underwriting and processing. This builds loyalty and rewards investors who come back for their next deal.
4. Personal Service Model
LYNK Mortgage operates as a boutique direct lender with dedicated loan officers assigned to your deal from pre-approval through closing. Lima One is a larger, more institutional operation. If you value a relationship with a person who knows your name and your deals, LYNK Mortgage's service-first model delivers that. You're not a loan number; you're a business partner.
Where Lima One Capital Stands Out
1. Experience-Based Pricing Tiers
Lima One rewards experience with lower rates, lower origination fees, and higher leverage. The more flips you've completed in the last 36 months, the better your pricing. This approach incentivizes scaling and can deliver significant savings if you're a prolific investor. If you have 10+ completed deals, Lima One's tiered structure may offer better rates than LYNK Mortgage's standardized pricing.
2. Fix2Rent and Build2Rent Single-Close Products
Lima One's Fix2Rent and Build2Rent products close a bridge loan and a permanent DSCR loan in a single transaction, eliminating the need for two separate closings. This is powerful if you're converting a fix & flip to a rental or building a property to hold. LYNK Mortgage doesn't offer single-close products, so you'd need to coordinate bridge and permanent financing separately, requiring two closings and two sets of fees.
3. In-House Construction Management
Lima One has an in-house construction management team that reviews budgets and processes loan draws. This is valuable if you want an experienced team double-checking your renovation scope and managing the draw process. LYNK Mortgage also manages draws but doesn't advertise construction expertise as explicitly. For investors who value construction oversight, Lima One's dedicated team may provide additional confidence.
4. Established Reputation (Founded 2009)
Lima One has been lending since 2009 and has navigated multiple real estate cycles. They're an established name in the private lending space. LYNK Mortgage was founded in 2020, making it newer to the market (though with strong growth and track record). If institutional stability and long track record matter to you, Lima One's 16-year history may provide additional comfort.
Which Lender Should You Choose?
Choose LYNK Mortgage If:
- You need to close fast. 10 days beats 3+ weeks. If you're in a competitive deal or need capital deployed quickly, LYNK Mortgage's speed is decisive.
- You're new to real estate investing. No experience requirement means you can get approved for your first flip or rental property without having to prove a track record elsewhere first.
- You value personal relationships. LYNK Mortgage's boutique service model means one loan officer knows your deals and your goals. You're not just a file number.
- You're a repeat customer. Express Lane program gives you priority processing on your second and subsequent deals, making them even faster.
- You want simplicity. LYNK Mortgage's straightforward pricing and application process eliminates surprises and accelerates decisions.
Choose Lima One Capital If:
- You have significant flipping experience. Experience-based pricing tiers reward prolific investors with better rates and higher leverage as you complete more deals.
- You need single-close products. Fix2Rent and Build2Rent are powerful if you're converting flips to rentals or building to hold. These eliminate a second closing and simplify the transition.
- You want construction oversight. Lima One's in-house construction management team adds value if you need budget review and draw management from experienced construction lenders.
- You prefer an established lender. Lima One's 16-year track record and established reputation in the market provide institutional credibility if that's important to you.
- You're doing multiple deal types with one lender. Both offer full product suites, but Lima One's extra products (Fix2Rent, Build2Rent) provide more integrated solutions if you're diversifying across flip and hold strategies.
The Bottom Line
Rates and terms vary based on your specific deal, credit, experience, and loan structure. The best decision is to apply with both lenders and compare actual term sheets. A difference of 0.25-0.50% in rate or 1-2 points in origination fees can be meaningful over the life of the loan. LYNK Mortgage and Lima One both close fast enough that applying to both is practical and doesn't slow down your deal. Compare terms, timeline, and service philosophy before committing to one lender.
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