LYNK Mortgage vs RCN Capital
Go direct: an instant term sheet
and one loan officer who owns
your deal, start to finish.
and one loan officer who owns
your deal, start to finish.
Get Pre-Approved Now
Instant term sheets. No income docs required.
Key Difference: Direct Lender vs Primarily Wholesale
LYNK Mortgage is a direct lender that also works with mortgage brokers. Investors apply directly, get an instant online term sheet, and work with a dedicated loan officer, while LYNK Mortgage makes the underwriting decision and funds the loan with no broker layer on a direct deal. RCN Capital, established in 2010, describes itself as a private direct lender with both retail and wholesale channels, and much of its business and marketing is built around mortgage brokers — it calls itself "the leading nationwide wholesale lender" for residential investment loans.
For investors who want direct communication, fast closes, and one person who owns their deal, LYNK Mortgage's direct model is built for you: live terms in minutes with only a soft credit pull, no application fees, and a 7–15 day typical close on fix & flip, bridge, and construction (15–21 days on DSCR).
Head-to-Head Comparison
| Feature | LYNK Mortgage | RCN Capital |
|---|---|---|
| Lending Model | Direct lender that also works with mortgage brokers | Retail and wholesale (broker-focused) |
| Primary Sales Channel | Direct to investors | Mortgage brokers and correspondent lenders, plus direct borrowers |
| Term Sheet | Instant online term sheet with live rates (soft credit pull only); fix & flip from 8.75%, DSCR from 7.00% | Next business day for most short-term loans |
| Point of Contact | A dedicated loan officer on every deal, from term sheet to payoff | Your broker, on deals through RCN's wholesale channel |
| Typical Close (Fix & Flip, Bridge) | 7–15 days | As few as 10 business days |
| DSCR Close Time | 15–21 days typical | Not published |
| DSCR Rental Loans | 30-year fixed, fully amortizing, up to 80% LTV, no tax returns | 30-year term, up to 80% LTV |
Last updated: September 2026. RCN Capital details reflect publicly available information and may change. Rates are moving quickly — get a live LYNK Mortgage term sheet for current pricing. Terms vary based on credit, deal quality, experience, and market conditions.
Why Investors Choose LYNK Mortgage
1. Instant Term Sheets, Direct from the Lender
Apply directly to LYNK Mortgage and get a term sheet online in minutes, with only a soft credit pull and no application fees. RCN issues term sheets the next business day for most short-term loans. Rates are moving quickly, so a live term sheet shows what you'd pay today, before you commit.
2. Human Touch, AI Speed — One Loan Officer, Start to Finish
Every LYNK Mortgage deal gets a dedicated loan officer, one point of contact from term sheet to payoff. AI-assisted underwriting handles the deterministic work (credit pulls, ARV and comp modeling, document analysis, rent comps), and your loan officer handles the judgment calls. On a direct deal there's no broker between you and the people underwriting your loan.
3. Fast, Published Closing Timelines
LYNK Mortgage closes fix & flip, bridge, and construction loans in 7–15 days typical and DSCR loans in 15–21 days typical. RCN advertises closings in as few as 10 business days and doesn't publish a DSCR timeline.
4. Fix & Flip Built for Speed and Leverage
LYNK Mortgage's fix & flip loans start at 8.75% and go up to 95% of cost and 75% of ARV (by tier), for loans up to $3 million. Rehab funds are held in escrow and released through online draw requests with inspection-based releases, typically funded in 2–5 business days. First-time flippers are welcome, with more equity in the deal.
5. One Lender from Acquisition to Rental Refinance
LYNK Mortgage finances fix & flip, new construction, bridge, multifamily bridge (5–100 units, up to $5 million), and 30-year fixed DSCR rental loans with no tax returns. Buy and renovate, then refinance into a DSCR loan with the same lender (two separate loans).
6. Express Lane for Repeat Investors
Once you've closed with LYNK Mortgage, Express Lane gives you faster turn times on your next deal, with the same direct access to your loan officer.
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Direct Lender vs Wholesale: What's the Difference?
Direct Lender Model (LYNK Mortgage)
A direct lender like LYNK Mortgage works directly with borrowers. You apply to LYNK Mortgage, which makes the underwriting decision, approves the loan, and funds it. On a direct deal there's one point of contact (your loan officer), one decision maker, and no broker layer, so questions get answered and documents get cleared by the people underwriting your loan.
Wholesale Lender Model
In a wholesale deal, a mortgage broker brings a client's loan to the lender, which underwrites and funds it. The borrower works with the broker, and the broker works with the lender: the broker sends the file, the underwriter reviews it, and findings go back through the broker to the borrower. RCN Capital runs a wholesale channel alongside its retail lending.
Pricing & Cost Implications
When a broker is involved, the broker is paid — RCN discloses broker compensation and pays it at closing — so it's worth comparing all-in costs, not just the rate. On a direct LYNK Mortgage deal there's no broker layer, and your instant term sheet shows live pricing with only a soft credit pull. Rates are moving quickly, so compare live term sheets — rate, points, and any broker fees — rather than advertised starting rates.
Who LYNK Mortgage Is Built For
- Investors who want a fast close (7–15 days typical on fix & flip and bridge; 15–21 days on DSCR)
- Investors who want a direct relationship with their lender
- Investors who want live terms in minutes: an instant online term sheet with a soft credit pull and no application fees
- Borrowers who want a dedicated loan officer who owns their deal from start to finish
- Flippers who want leverage up to 95% of cost (by tier) and rehab draws typically funded in 2–5 business days
- Repeat investors who want Express Lane's faster turn times
- Mortgage brokers, too: LYNK Mortgage works with brokers through its broker program
The Bottom Line
For investors who want speed, personal service, and live pricing, LYNK Mortgage is the better choice: an instant term sheet, a dedicated loan officer, and a 7–15 day typical close, direct from the lender. Rates are moving quickly — see your live term sheet in minutes.
Frequently Asked Questions
Ready to Get Pre-Approved?
Get an instant online term sheet with live rates and only a soft credit pull — no application fees. Work with a dedicated loan officer and close in 7–15 days typical on fix & flip and bridge. Rates are moving quickly, so see your real numbers today.
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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, Lima One 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