Comparing Mortava and LYNK Mortgage for your next investment property loan? The short version: LYNK Mortgage is fix & flip and construction lending priced on the whole borrower file rather than credit score alone, with a published rate grid up to 95% LTC, while Mortava leads with an AI-first experience — instant quotes (no hard credit pull), automated VeriQual qualification, and indicative term sheets in about two hours — across DSCR, fix & flip, and bridge.
Mortava vs LYNK Mortgage: investor loan programs, leverage, and speed compared
Criteria
Mortava
LYNK Mortgage
Known for
AI-driven speed — VeriQual qualification + the Vesty assistant
Fix & flip and construction lending priced on the whole borrower file rather than credit score alone, with a published rate grid up to 95% LTC
Core programs
DSCR, Fix & Flip, Bridge, New Construction, Multifamily
Fix & Flip, New Construction, Multi-Family Bridge, DSCR
Instant online quote, no hard credit pull
Yes — see indicative rates instantly
Varies — confirm directly
AI qualification + 24/7 assistant
Yes (VeriQual + Vesty)
Not advertised
Indicative term sheets
In about 2 hours
Varies — confirm directly
Max fix & flip leverage
Up to 95% LTC + 100% of rehab
Confirm directly
DSCR max LTV
Up to 85% LTV, no tax returns
Confirm directly
Closing speed
As few as 7–10 days
Varies — confirm directly
LYNK Mortgage details reflect publicly available positioning as of 2026 and are not Mortava figures — confirm current programs, rates, and terms directly with LYNK Mortgage. Mortava terms are indicative and not a commitment to lend.
Where Mortava stands out
LYNK Mortgage (the borrower-facing lending brand of LYNK Capital) is a fix & flip and construction lender whose published pricing runs from an 8.50% best-qualified base rate up to roughly 10.00%+ depending on credit, down payment, and deal economics, with a 660 minimum FICO and leverage up to 95% LTC / 70% of ARV. Mortava's edge is speed and self-service: see real indicative numbers in seconds with no hard credit pull, let VeriQual structure the loan against live guidelines, and get a signable indicative term sheet in about two hours — with the Vesty AI assistant answering eligibility questions 24/7.
On leverage, Mortava funds fix & flip up to 95% of cost plus 100% of the rehab, and DSCR up to 85% LTV with no tax returns — closing in as few as 7–10 days.
Compare for yourself in seconds
Get a live, indicative Mortava term sheet — soft inquiry only, no hard credit pull — and stack it against any other quote.
Mortava pairs investor loan programs (DSCR, fix & flip, bridge) with an AI-first experience: instant quotes with no hard credit pull, VeriQual automated qualification, the Vesty AI assistant, and indicative term sheets in about two hours. LYNK Mortgage is fix & flip and construction lending priced on the whole borrower file rather than credit score alone, with a published rate grid up to 95% LTC. Many investors get quotes from both and compare the actual terms.
Does Mortava offer instant quotes?
Yes. You can see indicative rates and leverage instantly on mortava.com using a soft inquiry only — no hard credit pull — then pre-qualify online for a live term sheet.
What loan programs does Mortava offer?
DSCR rental loans (up to 85% LTV, no tax returns), fix & flip (up to 95% LTC + 100% of rehab), and bridge loans (up to 80% LTV, no prepayment penalty), plus new construction and small multifamily.
Is Mortava available in my state?
Mortava lends to investors nationwide. See state-specific DSCR and fix & flip pages for your market's metros and details.
