LYNK Mortgage
Raleigh, North Carolina
Direct Lender for Experienced Builders & Investors
LYNK Capital is the preferred private lender for experienced builders and real estate investors in 30+ states. We offer tailored solutions on New Construction, Fix & Flip, Bridge and Rental loans for non-owner-occupied residential properties.
Get competitive rates and flexible terms – with higher leverage! Our in-house experts are here to assist you through every stage of your project. Close with speed and accuracy in as little as 10 days.
We welcome and protect our broker referrals.
Please Note: We do not provide loans for owner-occupied homes.
Common Loan Scenarios
- New Construction, Fix & Flip, Rental and Bridge loans for Residential Properties
- Investor loans for experienced builders and rehabbers
Scenarios Not Considered
- NO 100% Financing
- NO Inexperienced Investors
- NO Owner-Occupied Homes
- NO Rural Properties
Residential Fix & Flip
We offer fix and flip loans for single-unit, multi-unit, and mixed-use residential projects, up to a maximum 70% of the renovated value. We will fund rehab projects of any scope or size, provided you have the experience to complete the project. Purchases, refinances, and cash out deals are eligible. Highlights include:
- SFR and Multifamily
- Mixed-use
- Non-owner occupied
- Loan Amount: $100k – $2M
- Loan-to-value up to 70% LTV
- Loan-to-cost up to 85% LTC
- Loan terms up to 12 months
Residential New Construction
Are you an experienced builder who can build more – but lack the funding to do so? We lend on permit-ready single- and multi-property residential construction projects. Highlights include:
- SFR, Multi-Unit (1-4)
- Loan-to-value up to 65% LTV
- Loan-to-cost up to 80% LTC
- Loan terms up to 18 months
- Little or no money down if lot already owned
- Minimum loan amount: $100,000
Property Types
- 2-4 Units Residential
- Mixed-Use
- Multifamily
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Ground-Up Construction
Description
We offer fix and flip loans for single-unit, multi-unit, and mixed-use residential projects, up to a maximum 70% of the renovated value. We will fund rehab projects of any scope or size, provided you have the experience to complete the project. Purchases, refinances, and cash-out deals are eligible.
Max Loan-to-Purchase Price
85%
Borrower Must Have Property Under Contract
yes
Will Provide Proof of Funds Letter
yes
Will Consider Lending on Purchase from Auction
yes
Allowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Seller Financing
- Gap Lender
- Crowdfunding
- Family
Description
We offer fix and flip loans for single-unit, multi-unit, and mixed-use residential projects, up to a maximum 70% of the renovated value. We will fund rehab projects of any scope or size, provided you have the experience to complete the project. Purchases, refinances, and cash out deals are eligible.
Experience Required
yes
Minimum Number of Value-Add Projects Completed by Borrower
2
Will Provide Funds for Renovation Costs
yes
Max LTC for Renovation Costs
100%
Interest Charged for Renovation Costs
Only on Funds Drawn
Typical Number of Days for Funds Draw
5
Maximum After Repair Value
70%
Description
Are you an experienced builder who can build more - but lack the funding to do so? We lend on permit-ready single- and multi-property residential construction projects. Highlights include: Loan-to-value up to 65% LTV Loan-to-cost up to 80% LTC Loan terms up to 18 months
Development Experience Required
yes
Minimum Number of Ground-Up Construction Projects Completed by Borrower
3
Max LTC for Ground-Up Construction Costs
80%
Interest Charged for Construction Costs
Only on Funds Drawn
Will Lend on Partially Completed Construction Projects
yes
Additional Details
*LYNK Capital, LLC operates as LYNK Investments, LLC in the state of Texas.
Direct Lender for Experienced Builders & Investors
LYNK Capital is the preferred private lender for experienced builders and real estate investors in 30+ states. We offer tailored solutions on New Construction, Fix & Flip, Bridge and Rental loans for non-owner-occupied residential properties. Get competitive rates and flexible terms – with higher leverage! Our in-house experts are here to assist you through every stage of your project.
We welcome and protect our broker referrals.
Our Team:
At LYNK Capital, we have decades of experience in this business, with members of our team having either owned or held senior positions in numerous mortgage companies, banks, title companies, and other real estate businesses. We’ve also been property investors ourselves, and understand the importance of receiving fast, knowledgeable service from a lender.
Immediately prior to founding LYNK Capital, our management team operated the mortgage lending division of a mid-sized bank that consistently closed over $1.0b of loans per year. This experience has given us a firm understanding of the needs of our borrowers and investors – and has also shown us how the increasing regulatory burdens placed on banks prevents them from meeting these needs.
We founded LYNK Capital to provide a better experience for real estate investors and developers – one founded on decades of experience in real estate lending and investments.
LYNK Mortgage’s Lending Activity
Data Provided By Elementix
12mo Loan Volume
$194,826,842
12mo Loan Count
363
Total Loan Volume
$1,680,659,449
Average Loan Size
$665,081
Office Locations
Our Team
Ben Lyons
Managing Director
LYNK Mortgage Testimonials
Matthew M.
THE MCCORD LAW FIRM
"I want to personally thank the team at LYNK Capital for all of your hard work on this closing! We work with hard money lenders all of the time, and you are most certainly a stand-out!"
Jeff T.
PRESIDENT, METROPOLITAN EXTERIORS
"As a general contractor, it can be difficult to predict workloads and keep crews busy, especially in the off-seasons. LYNK Capital showed me that investing in my own projects can be a great supplement to my contracting business - letting me keep my crews busy and making money year-round. LYNK gave me the insight and provided the financing to make it work."
Lorcan C.
CFO, FELTRIM DEVELOPMENT
"LYNK Capital has been a valuable lending partner through several projects - they’ve taken the time to gain an in-depth understanding of our business model and provide a financing solution that helps to grow our business. We’ve worked with several hard money lenders over the years, and LYNK Capital is by far the most flexible and responsive."
Our minimum loan amount is $100,000
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