LYNK Mortgage vs Visio Lending
Every loan from purchase to rental:
fix & flip, bridge, construction, and
30-year fixed DSCR in one place.
fix & flip, bridge, construction, and
30-year fixed DSCR in one place.
Get Pre-Approved Now
Instant term sheets. No income docs required.
Comparing a Full-Stack Lender vs a DSCR-Only Lender
LYNK Mortgage is a full-stack direct lender offering fix & flip, 30-year fixed DSCR, bridge, new construction, and multifamily bridge financing. Visio Lending is a DSCR lender that has focused on rental property loans since 2012 and doesn't offer fix & flip, bridge, or construction loans.
If your plan includes buying, renovating, building, or refinancing into a rental, LYNK Mortgage can finance each step — a fix & flip or construction loan first, then a 30-year fixed DSCR refinance with the same lender (two separate loans) — with a dedicated loan officer, instant online term sheets, and a 15–21 day typical DSCR close.
LYNK Mortgage vs Visio Lending
| Feature | LYNK Mortgage | Visio Lending |
|---|---|---|
| Products | Fix & Flip, DSCR, Bridge, New Construction, Multifamily Bridge | DSCR rental loans only |
| Fix & Flip | From 8.75%; up to 95% of cost / 75% of ARV (by tier) | Not offered |
| Bridge Loans | Up to 70% LTV, loans up to $3 million | Not offered |
| New Construction | Up to 85% LTC (3+ completed builds) | Not offered |
| Multifamily Bridge | 5–100 units, up to $5 million | Not offered |
| DSCR Loans | 30-year fixed, fully amortizing, up to 80% LTV, no tax returns | Up to 80% LTV |
| DSCR Rates | From 7.00%; live pricing on an instant online term sheet | Not publicly listed |
| DSCR Close Time | 15–21 days typical | Aims to close within 30 days |
Last updated: September 2026. Visio Lending details reflect publicly available information and may change. Rates are moving quickly — get a live LYNK Mortgage term sheet for current pricing.
Why Investors Choose LYNK Mortgage
1. Full Product Suite — Beyond DSCR
If you do more than rental properties, LYNK Mortgage is the obvious choice. Need fix & flip financing for a renovation, bridge capital for a quick acquisition, or new construction funding? Visio Lending doesn't offer those loans. LYNK Mortgage handles all of it, with one loan officer and one process for whichever loan type your deal requires.
2. Human touch, AI speed — 15–21 day DSCR close
LYNK Mortgage closes DSCR in 15–21 days typical. AI-assisted underwriting handles the deterministic work (rent comps, DSCR calculation, credit and document analysis) and a dedicated loan officer on every deal handles the judgment calls. Visio Lending aims to close within 30 days and asks for at least 30 days remaining on your purchase contract. On a competitive purchase, a shorter timeline can make your offer stronger.
3. Instant Term Sheets
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.
4. One Loan Officer Across Every Product
LYNK Mortgage assigns a dedicated loan officer to every deal, your point of contact from term sheet to payoff, and LYNK Mortgage can finance your flips, bridge loans, construction, and rental refinances. If you value a lender that knows your whole portfolio and your goals, LYNK Mortgage's boutique approach delivers that.
5. DSCR Loans Built for Long-Term Holds
LYNK Mortgage's DSCR loans are 30-year fixed and fully amortizing, qualify on the property's rental income with no tax returns, and go up to 80% LTV. You choose the prepayment term, including no prepayment penalty (priced higher), and your loan officer confirms the specifics for your scenario.
6. Express Lane for Repeat Investors
LYNK Mortgage's Express Lane gives repeat borrowers faster turn times on second and subsequent deals. If you're scaling and plan to close multiple deals, Express Lane compounds the speed advantage.
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Who LYNK Mortgage Is Built For
- Investors who do more than buy rentals. If you flip, bridge, or build, you need LYNK Mortgage. Visio only does DSCR, so any non-rental deal requires a different lender. LYNK Mortgage handles it all.
- Investors for whom speed is critical. 15–21 days typical vs Visio's 30-day target is a real difference in a competitive market.
- Investors who want a single lender relationship. If you're scaling across multiple deal types, LYNK Mortgage simplifies operations: one lender and one process for all your financing needs.
- Investors who want live terms before committing. An instant online term sheet with a soft credit pull and no application fees shows your real numbers in minutes.
- Repeat borrowers. LYNK Mortgage's Express Lane gives you faster turn times on your second and subsequent deals.
- Investors who want personal service. LYNK Mortgage's boutique model means a dedicated loan officer owns your deal from term sheet to payoff.
Rates Are Moving Quickly — Compare Live Term Sheets
Rates and terms depend on your deal, credit profile, property type, and loan structure, and published starting rates can go stale fast. The best comparison is a live term sheet for your specific deal. LYNK Mortgage's instant online term sheet shows your rate and terms in minutes, with only a soft credit pull and no application fees, so you can decide with today's numbers.
The Bottom Line
Visio Lending offers DSCR rental loans only. LYNK Mortgage finances every step — fix & flip, bridge, new construction, multifamily bridge, and 30-year fixed DSCR — with a dedicated loan officer, instant online term sheets, and 15–21 day typical DSCR closes. For investors scaling across deal types, LYNK Mortgage's full-stack model is the decisive advantage.
Frequently Asked Questions
Ready to See Your Live Terms?
Get an instant online term sheet for your DSCR, fix & flip, bridge, or construction deal, with only a soft credit pull and no application fees. Rates are moving quickly, so see your real numbers today, then 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, Roc360, 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