LYNK Mortgage vs Roc360
Know exactly who your lender is:
one brand, one loan officer,
from term sheet to payoff.
one brand, one loan officer,
from term sheet to payoff.
Get Pre-Approved Now
Instant term sheets. No income docs required.
One Direct Lender vs a Multi-Brand Platform
LYNK Mortgage is a direct lender: you apply to LYNK Mortgage, get an instant online term sheet, and work with a dedicated loan officer while LYNK Mortgage underwrites and funds your loan. Roc360 (Roc Capital) is a vertically integrated platform that reaches borrowers mainly through its brand channels: it lends through CIVIC Financial Services and Finance of America Commercial, provides white-label capital to private lenders through Roc Capital (loans made under those lenders' own names), and runs its own title, insurance, and appraisal-management companies.
With LYNK Mortgage, one brand covers fix & flip, new construction, bridge, multifamily bridge, and 30-year fixed DSCR loans, and one loan officer is your point of contact from term sheet to payoff. You get live terms in minutes with only a soft credit pull, no application fees, and a 15–21 day typical DSCR close (7–15 days on fix & flip, bridge, and construction).
LYNK Mortgage vs Roc360 Comparison
| Feature | LYNK Mortgage | Roc360 |
|---|---|---|
| How You Borrow | Directly from LYNK Mortgage | Through its lender brands (CIVIC, Finance of America Commercial) or private lenders using Roc Capital's white-label capital |
| Borrower Relationship | Direct — you know LYNK Mortgage is your lender | Direct via its lender brands; indirect when a private lender uses Roc Capital's white label |
| Point of Contact | A dedicated loan officer on every deal, from term sheet to payoff | Depends on the brand or partner lender you come through |
| Term Sheet | Instant online term sheet with live rates (soft credit pull only); DSCR from 7.00%, fix & flip from 8.75% | Varies by brand or partner lender |
| DSCR Close Time | 15–21 days typical | Not published |
| Product Lineup | Fix & flip, new construction, bridge, multifamily bridge, and 30-year fixed DSCR — one brand | Fix & flip, bridge, ground-up, and rental loans, spread across CIVIC, Finance of America Commercial, and Roc Capital partners |
Last updated: September 2026. Roc360 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. Transparency — You Know Your Lender
When you apply to LYNK Mortgage, you know exactly who you're borrowing from. You get a named loan officer, direct communication with LYNK Mortgage's team, and clarity on how decisions are made. When a private lender uses Roc Capital's white-label program, the loan carries that lender's brand. As an investor, knowing your lender and building a direct relationship with it matters.
2. Human Touch, AI Speed — One Loan Officer on Every Deal
LYNK Mortgage assigns a dedicated loan officer who is your point of contact from term sheet to payoff. AI-assisted underwriting handles the deterministic work (rent comps, DSCR calculation, credit pulls, document analysis), and your loan officer handles the judgment calls. With Roc360, your experience depends on which brand or partner lender you come through.
3. Instant Term Sheets and Published Timelines
Get a term sheet online in minutes with only a soft credit pull and no application fees. Rates are moving quickly, so a live term sheet shows what you'd pay today, before you commit. LYNK Mortgage closes DSCR loans in 15–21 days typical and fix & flip, bridge, and construction loans in 7–15 days. Roc360 doesn't publish a DSCR close timeline, and timing depends on which of its brands or partner lenders handles your loan.
4. One Brand for Every Product
LYNK Mortgage offers fix & flip (up to 95% of cost and 75% of ARV by tier, loans up to $3 million), new construction, bridge, multifamily bridge (5–100 units, up to $5 million), and 30-year fixed DSCR loans. Roc360's range is spread across CIVIC, Finance of America Commercial, and partner lenders using Roc Capital. LYNK Mortgage keeps every product under one brand and one relationship, from acquisition and rehab through the rental refinance (two separate loans).
5. Fast Rehab Draws
On fix & flip loans, rehab funds are held in escrow and released through online draw requests with inspection-based releases, typically funded in 2–5 business days, so your contractors keep moving.
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 relationship.
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Who LYNK Mortgage Is Built For
- Investors who want a direct relationship with a lender they know by name
- Borrowers who want one dedicated loan officer from term sheet to payoff
- Investors who want live terms in minutes: an instant online term sheet with a soft credit pull and no application fees
- Investors who value speed: a DSCR close in 15–21 days typical and 7–15 days on fix & flip, bridge, and construction
- Investors who need multiple loan products (fix & flip, construction, bridge, multifamily bridge, DSCR) under one brand
- Independent investors (borrowing through an LLC or corporation) and small-to-mid-size portfolio investors
- Repeat investors who want Express Lane's faster turn times
The Bottom Line
Roc360 is a multi-brand platform that reaches borrowers through its lender brands and partner lenders. LYNK Mortgage is one direct lender: you know who you're borrowing from, you get an instant term sheet and a dedicated loan officer, and DSCR loans close in 15–21 days typical. Rates are moving quickly — see your live term sheet in minutes.
Frequently Asked Questions
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Get an instant online term sheet with live rates and only a soft credit pull — no application fees. Work with one direct lender and one dedicated loan officer for DSCR, bridge, fix & flip, and construction loans, and close DSCR in 15–21 days typical.
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, Lima One Capital, RCN Capital, CoreVest, Easy Street Capital, New Silver, Groundfloor, 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