LYNK Mortgage vs Lima One Capital
First flips welcome, instant term sheets,
and a dedicated loan officer on every
deal, from term sheet to payoff.
and a dedicated loan officer on every
deal, from term sheet to payoff.
Get Pre-Approved Now
Instant term sheets. No income docs required.
A Direct Lender That Welcomes Your First Flip
Lima One Capital is a private lender offering fix & flip, rental, bridge, construction, and multifamily loans. LYNK Mortgage is a direct lender that underwrites and funds its own loans — fix & flip loans, new construction, bridge loans, multifamily bridge, and 30-year fixed DSCR rental financing — with AI-assisted underwriting and a dedicated loan officer on every deal.
The biggest difference for many investors is access. Lima One requires at least one investment-property exit in the last 36 months for its fix & flip loans; LYNK Mortgage welcomes first-time flippers. Below, see where LYNK Mortgage gives you an edge, from your first deal to your fiftieth.
LYNK Mortgage vs Lima One Capital
| Feature | LYNK Mortgage | Lima One Capital |
|---|---|---|
| Experience Required (Fix & Flip) | None — first-time flippers welcome, with more equity in the deal | At least 1 investment-property exit in the last 36 months |
| Minimum Credit Score (Fix & Flip) | 660 (Prime); down to 580 on the Expanded tier (loans $250,000+) | 660 |
| Fix & Flip Leverage | Up to 95% of cost / 75% of ARV (experienced, by tier) | Up to 95% of cost / 75% of ARV (experienced) |
| 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 | Quoted per deal; pricing tiered by experience |
| Point of Contact | Dedicated loan officer on every deal, from term sheet to payoff | Single point of contact |
| Rehab Draws | Online draw requests with inspection-based releases, typically funded in 2–5 business days | Budgets and draws handled by an in-house construction management team |
| DSCR Rental Loans | 30-year fixed, fully amortizing; no tax returns; up to 80% LTV; choose your prepayment term, including none | Qualifies on property income without tax returns; up to 80% LTV on purchases |
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. First-Time Flippers Welcome
LYNK Mortgage lends to investors at all experience levels — first-time flippers, new rental property owners, and seasoned portfolios. 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. Lima One requires at least one exit of an investment property (a flip, or a sale or refinance of a property you were on title for) in the last 36 months for its fix & flip product. If you're ready to start, LYNK Mortgage is ready to lend.
2. Credit Scores Down to 580
LYNK Mortgage's Prime fix & flip tier starts at a 660 credit score, and its Expanded tier accepts scores down to 580 on loans from $250,000 to $3 million. Lima One's fix & flip minimum is 660. If your credit is still catching up with your experience, LYNK Mortgage gives you a path to fund the deal.
3. Human touch, AI speed — 7–15 day typical close
LYNK Mortgage closes fix & flip, bridge, and construction in 7–15 days typical (15–21 days on DSCR). 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, from term sheet to payoff. On a first deal or a tenth, that typical timeline holds without any tier qualification.
4. Live Term Sheets and Fast Draws
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 and terms in minutes, with only a soft credit pull and no application fees. Once you close, rehab funds are held in escrow and released through online draw requests with inspection-based releases, typically funded in 2–5 business days.
5. Express Lane Program for Repeat Customers
LYNK Mortgage's Express Lane program is designed for repeat borrowers. Once you've closed a deal with LYNK Mortgage, your next applications move through a fast-track process with priority underwriting and processing, for faster turn times on every deal that follows.
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, you're working with a lender investors come back to.
Who LYNK Mortgage Is Built For
- New real estate investors. No experience minimum on fix & flip means you can get approved for your first flip (with more equity in the deal) or rental property without having to prove a track record elsewhere first.
- Investors who need to close fast. 7–15 days typical on your first deal or your tenth, with no tier qualification. If you're in a competitive deal or need capital deployed quickly, LYNK Mortgage's speed matters.
- Investors who value a relationship. LYNK Mortgage's dedicated loan officer knows your deals and your goals, from term sheet to payoff. You're not just a file number.
- Flip-and-hold investors. Fix & flip, new construction, bridge, multifamily bridge, and 30-year fixed DSCR loans under one roof, so the lender that funds your rehab can also finance your rental.
- Repeat customers. The Express Lane program gives you priority processing and faster turn times on your second and subsequent deals.
The Bottom Line
Lima One is an established lender whose fix & flip program requires a prior exit. LYNK Mortgage is built for investors who want to start sooner and move faster: first flips welcome, credit scores down to 580 on the Expanded tier, instant online term sheets with only a soft credit pull, no application fees, a 7–15 day typical close, 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 See Your Terms?
Get a live term sheet in minutes — soft credit pull only, no application fee — and a dedicated loan officer to take your deal from term sheet to payoff. First flip or fiftieth, we're ready to lend.
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, 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