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LYNK Mortgage

Fast DSCR rental financing with a streamlined investor-focused process

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Min. DSCR1.00x typical; some programs allow lower
Max LTVUp to 80% purchase; lower on cash-out
Min. Credit660+ FICO
Loan Amounts$75k – $3M+ typical
ClosingTypical 15–21 days
Program snapshot

What stands out

  • Up to 80% purchase LTV with a 660 minimum FICO
  • Typical $75k–$3M+ loan size and 15–21 day closing
  • STR income with documented history; small multifamily up to 10 units considered
Single Family2–4 UnitsWarrantable CondosPUDsSmall Multifamily up to 10 UnitsShort-Term Rentals (STR)
Fit

Best for

  • Fast-close rental acquisitions
  • Buy-and-hold investors
  • Short-term rentals
  • BRRRR-to-rental transitions

Watch for

  • 1.00x is the typical DSCR minimum; lower-DSCR programs are scenario-dependent.
  • Foreign-national borrowers are considered case-by-case rather than the core published program.
Loan Terms & Transparency

How this loan is actually underwritten

DSCR calculationProperty rental cash flow; typical 1.00x, lower programs available

LYNK’s current DSCR pages publish 1.00x as typical and note some programs allow lower ratios; its educational material says stronger DSCR can improve pricing.

AppraisalAppraisal + 1007/1025 rent analysis; ordering method not disclosed

LYNK’s published closing process includes appraisal and Form 1007/1025 rent comparables, but public material reviewed does not establish AMC vs. direct ordering or transferability.

Lender feesOrigination typically 1–1.5% in current closing-cost guide

LYNK’s current closing-cost guide says its origination fee typically covers underwriting, processing and origination labor. Exact deal pricing is shown on the term sheet.

Reserves / escrowTypically 3–6 months PITIA

Current state program pages publish 3–6 months PITIA at closing, varying by program tier and credit.

PrepaymentProgram-specific; no-PPP may be available at higher pricing

LYNK says no-PPP structures are occasionally available and may require a higher rate; exact schedule should be confirmed for the deal.

What can affect termsCredit, LTV, DSCR and rate structure

LYNK publishes best pricing at stronger credit/DSCR and says exact rate, terms and leverage appear on the online term sheet.

Last verified: Aug. 23, 2026 · Source: LYNK Mortgage DSCR Rental Loans

DSCRDeals take

An investor-focused DSCR lender publishing up to 80% purchase LTV, 660 minimum FICO, typical $75k–$3M+ loans and a 15–21 day closing timeline.

Borrower benefit: $500 after first qualifying LYNK closing

Data last verified: 2026-08-19. LYNK Ohio DSCR rental loans.

Important: DSCRDeals is an informational and matching service, not a lender or a commitment to lend. Rates, guidelines, eligibility and program availability can change and vary by borrower, property, state and market. Verify current terms directly with the lender. Some links may be affiliate/referral links; DSCRDeals may receive compensation if you apply or close through a partner link.