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.

 

Property Geographic Area Details
AL, AR, CO, CT, DC, DE, FL, GA, IA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NJ, OH, OK, PA, RI, SC, TN, TX*, VA, WI, WV, WY
Loan Amounts
$100,000 to $2,000,000
Interest Rates
7.50% to 12%
Loan Terms
12 months to 24 months
Origination Fees
1.75% to 3.5%
Lien Position
1st
Collateral Types
  • Residential Property
Loan Purpose
  • Investment Acquisition
  • Investment Refinance
  • Improve Subject Property
  • Use Equity to Invest in Another Property
  • Value Add Project
  • Development Project
Property Occupancy
  • Vacant
  • Tenant Occupied 100%

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
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
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%
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

Details and Requirements

Typical Closing Time (Days)

10

Fastest Closing Time (Days)

5

Payment Structure
  • Interest Only
  • Interest Reserve
Payment Structure Details

Two interest payment options: Note amount & Undrawn balance (for construction loans)

Pre Payment Penalty

no

Will lend to a foreign national

yes

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

yes

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will Consider Equity Joint Venture

yes

Borrower Entity Types Considered
  • LLC
  • Limited Partnership
  • Corporation
Documentation Required
  • Credit Report
  • Bank Statements
  • Financial Statements
  • Loan Application
Personal Guaranty (Recourse) Required
Always
Credit Check Required

yes

Minimum Credit Score Required

660

Credit Check Description

While we do review credit history, it is not the primary component of our decisions, and many borrowers with damaged credit are able to be approved.

Appraisal Required for Residential Property

Always

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Additional Details

*LYNK Capital, LLC operates as LYNK Investments, LLC in the state of Texas.

LYNK Capital Testimonials

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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.

Year Established

2013

Office Locations

7100 Six Forks Road, Raleigh, North Carolina 27615

11540 N Community House Rd Suite 200, Charlotte, North Carolina 28277

Primary Capital Source
  • Own Funds
  • Debt Fund We Manage
Alternative Capital Sources
  • Own Funds
  • Debt Fund We Manage
Loan Structure for Majority of Loans
  • Own Balance Sheet

Our Team

Ben Lyons

Managing Director

Jarrod Ellis

Director of Business Development

Contact LYNK Capital

LYNK Capital pays us to be listed, so there is no fee to connect with them directly.

Stay Informed About Private Lending

Receive our monthly newsletters with valuable insights and industry updates
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BEFORE YOU CONTACT THIS LENDER

Our Minimum Loan Amount Is

$100,000

What We Do

  • New Construction, Fix & Flip, Rental and Bridge loans for Residential Properties
  • Investor loans for experienced builders and rehabbers

Not Available

  • NO 100% Financing
  • NO Inexperienced Investors
  • NO Owner-Occupied Homes
  • NO Rural Properties

Send an email to LYNK Capital