Best Fix and
Flip Lenders
2026 Comparison Guide
for Real Estate Investors
for Real Estate Investors
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Finding the Right Fix and Flip Lender for Your Investment Strategy
Fix and flip lending has become increasingly competitive. The best lenders set themselves apart on what happens after you apply: who actually funds the loan, how fast you get real terms, how predictably the loan closes, and how smoothly rehab draws are paid. In this guide, we compare the market leaders on those factors and explain why LYNK Mortgage is our top pick.
Whether you're a first-time flipper or a seasoned investor with dozens of completed projects, choosing the right partner can mean the difference between maximizing returns and losing deals to competitors. Rates are moving quickly, so a published rate sheet is only a starting point; a live term sheet tells you what you'll actually pay. LYNK Mortgage generates one online in minutes with only a soft credit pull, assigns a dedicated loan officer to every deal, closes in 7–15 days typical, and welcomes first-time flippers.
Quick Comparison Table
| Lender | Lending Model | Rate Quote | First-Time Flippers | Loan Products |
|---|---|---|---|---|
| Top Pick LYNK Mortgage Get Your Term Sheet → | Direct lender: underwrites and funds its own loans; dedicated loan officer on every deal | From 8.75%; instant online term sheet with a soft credit pull, no application fees | Welcome, with more equity: up to 85% of cost / 65% of ARV | Fix & flip, new construction, bridge, multifamily bridge, 30-year fixed DSCR |
| Kiavi | Online, technology-driven lender; Figure subsidiary since September 2026 | Real-time online pricing | Yes; leverage tiered by experience | Fix & flip, bridge, DSCR, new construction |
| Easy Street Capital | Austin-based private lender; borrower and broker channels | Same-day term sheets | Yes | Fix & flip (EasyFix), new construction, DSCR rental |
| Lima One Capital | Direct lender; MFA Financial subsidiary | Quote required | No: FixNFlip requires at least one investment-property exit in the last 36 months | Fix & flip, bridge, rental (DSCR), new construction, multifamily |
| RCN Capital | Roughly 85% of volume through mortgage brokers; also lends direct | Quote required | Yes; pricing and leverage tiered by experience | Fix & flip, DSCR, bridge, new construction, multifamily |
Last updated: September 2026. Competitor details reflect publicly available information and may change. Rates are moving quickly, so this guide doesn't list competitor rates; the most reliable comparison is a live term sheet. LYNK Mortgage's figure is a starting rate, and your rate depends on credit, experience, and the deal. LTC = Loan-to-Cost; ARV = After-Repair Value. Lenders are compared on lending model, quote process, first-time flipper eligibility, and product breadth.
Fix and Flip Lenders Reviewed
LYNK Mortgage — Top Pick: direct lending from your first flip to your rental
Learn about LYNK Mortgage's Fix and Flip Loans →
$1.4 billion+ funded since 2013, 4.7 stars from 114 Google reviews, lending in 32 states, and instant term sheets generated online. Fix and flip loans run from 8.75% with up to 95% of cost and 75% of after-repair value (by tier), loans up to $3 million, and a 7–15 day typical close.
Human touch, AI speed. AI-assisted underwriting handles the deterministic work — credit pulls, ARV/comp modeling, document analysis, scope-of-work review — so the dedicated loan officer on every deal can focus on the judgment calls that move the file. That combination is why LYNK Mortgage closes fix & flip deals in 7–15 days typical without sacrificing the relationship-based service investors expect on a real-money loan.
As a direct lender, LYNK Mortgage underwrites and funds its own loans, with no broker layer on direct deals, and a dedicated loan officer is your one point of contact from term sheet to payoff.
Why flippers choose LYNK Mortgage: Term sheets are generated online in minutes with only a soft credit pull, and there are no application fees. Rehab funds are held in escrow and released through online draw requests with inspection-based releases, typically funded in 2–5 business days. First-time flippers are welcome, with more equity in the deal: up to 85% of cost and 65% of ARV. Repeat borrowers move through Express Lane for faster turn times.
When you'd rather hold than sell, the same lender can refinance the finished property into a 30-year fixed DSCR rental loan (a separate loan), and LYNK Mortgage also finances new construction, bridge, and multifamily bridge deals, so one relationship covers every stage of your business.
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Kiavi — Technology-Driven Lender, Now Part of Figure
Kiavi (formerly LendingHome) prices loans with machine-learning models and generally values fix and flip properties in-house rather than ordering a traditional appraisal. In September 2026, Kiavi was acquired by Figure Technology Solutions and now operates as a Figure subsidiary. Leverage is tiered by experience, with a Pro tier for investors with 3+ exits in the last 24 months and an Enterprise Program for high-volume borrowers.
Easy Street Capital — Austin-Based Hard Money Lender
Based in Austin, Texas, Easy Street Capital offers fix and flip loans through its EasyFix program and issues same-day term sheets. Most EasyFix loans don't require an appraisal; Easy Street sets value in-house from property photos. The EasyFix minimum credit score is 600.
Lima One Capital — Experience-Based Lender
Lima One Capital, headquartered in Greenville, South Carolina, prices fix and flip loans by experience. FixNFlip requires a 660 minimum credit score and at least one investment-property exit in the last 36 months, so it isn't an option for a first flip. Lima One says it can fund a FixNFlip loan within 3 weeks for repeat borrowers, and an in-house construction management team reviews rehab budgets.
RCN Capital — Broker-Channel Lender
RCN Capital, based in South Windsor, Connecticut, sources roughly 85% of its volume through mortgage brokers and also lends directly. Fix and flip pricing and leverage are tiered by experience: New Investor (up to 2 flips in the last three years), Intermediate (3–5 flips), and Experienced (more than 10 flips and a 720+ FICO). RCN advertises closings in as few as 10 business days.
How to Choose the Best Fix and Flip Lender for Your Deals
1. Work with a Direct Lender
A direct lender underwrites and funds its own loans, so the people who approve your deal are the people who close it, with no extra hand-off in between. LYNK Mortgage underwrites and funds its own loans, with no broker layer on direct deals; by contrast, roughly 85% of RCN Capital's volume comes through mortgage brokers.
2. Get a Live Term Sheet Before You Make an Offer
Rates are moving quickly, so an advertised starting rate is a snapshot at best. What matters is the rate, leverage, and fees on your deal today. LYNK Mortgage generates a term sheet online in minutes with only a soft credit pull (no hard pull at the term-sheet stage) and charges no application fees, so you can know your numbers before you write the offer. Fix and flip rates start at 8.75%.
3. Ask for Typical Close Times, Not Best Case
Competitive markets reward speed, and a lender you can count on to close is worth more than a best-case headline. LYNK Mortgage closes fix and flip loans in 7–15 days typical, and repeat borrowers move through Express Lane for faster turn times. Having your entity documents, insurance, and scope of work ready shortens any timeline.
4. Choose One Point of Contact
Flips move fast, and questions come up after closing: draw timing, change orders, extensions, payoff. With LYNK Mortgage, a dedicated loan officer handles your deal from term sheet to payoff, backed by AI-assisted underwriting that keeps the file moving, so you're never re-explaining your project to a new person.
5. Check How Rehab Draws Work
Rehab draws can make or break your timeline, so ask each lender how draws are requested, what triggers a release, and how long funding takes. LYNK Mortgage holds rehab funds in escrow and releases them through online draw requests with inspection-based releases, typically funded in 2–5 business days.
6. Make Sure the Lender Works with First-Time Flippers
Not every program accepts a first flip: Lima One's FixNFlip, for example, requires at least one investment-property exit in the last 36 months. LYNK Mortgage welcomes first-time flippers, with more equity in the deal (up to 85% of cost and 65% of ARV), and leverage rises to up to 95% of cost and 75% of ARV as your track record grows.
7. Think Past This Flip
Your next deal may be a rental, a ground-up build, or a multifamily property. LYNK Mortgage finances fix and flip, new construction, bridge, multifamily bridge (5–100 units), and 30-year fixed DSCR rental loans, so one lender can take you from acquisition and rehab through the rental refinance (two separate loans). Confirm your property's state is eligible: LYNK Mortgage lends in 32 states.
Frequently Asked Questions About Fix and Flip Lenders
Related Comparisons
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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, 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