LYNK Capital

About LYNK Capital

LYNK Capital is a fast-growing private lender offering residential renovation, construction, and rental loans. Our team has decades of construction lending experience and we're here to help you through every stage of your project.We lend in: AL, CT, DC, DE, FL, GA, IL, IN, KY, MD, MA, MI, MO, NJ, NC, OH, PA, SC, TN, TX*, VA, WV

Loan Types Offered: Fix and Flip Loans, New Construction Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Mixed Use

Areas Served: DE, FL, MD, NC, PA, SC, VA, DC, NJ, GA, TN, OH, AL, CT, IL, IN, KY, MA, MI, MO, TX, WV

Lending Guidelines for LYNK Capital

Below are the general loan guidelines published on the LYNK Capital website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by LYNK Capital.

Loan Example 1

LYNK Capital makes a hard money loan to Dorothea for a renovation project in Miami, FL, on a house that is listed for $270,000. The lender agrees to issue a note with a 85% loan to value (LTV) so they will loan $229,500 on the house. The terms of the note also stipulate a two point origination fee which is to be paid at closing and a 18 month, interest only note with a 14% rate of interest.

Dorothea will have to contribute $40,500 at closing (15% on the 85% loan to value), plus she will pay the $4,590 origination fee. The monthly interest-only payments will then total $2,678 to the lender. If Dorothea meets her goal of a $337,500 total sales price when the loan term expires, she would make a gross profit of $14,715 after re-paying the principle on the note and deducting the money she contributed at closing, the origination points, and the monthly interest payments.

Loan Example 2

Rosemarie finds a property in Miami, FL to renovate and sell. Since she does not have enough cash to buy the property outright, she takes a fix and flip loan from LYNK Capital with the following parameters:

a) A $210,000 purchase price, b) a 65% loan-to-value (LTV), c) a 18 month term, d) a 11% interest rate, and e) a 3% origination fee.

Rosemarie intends to sell the property at the end of the term for $283,500. If she succeeds, the outcome will be as follows:

$283,500 sales price
- $136,500 note principle (65% LTV)
- $73,500 down payment (35% on 65% LTV)
- $4,095 origination fee (3% of the $136,500 principle amount)
- $22,523 interest payments (18 months x 11% interest)
-----------------------
= $46,883 total profit (does not include taxes or renovation costs)