Personal Financial Statement (PFS)

What Does It Mean?

A Personal Financial Statement (PFS) is a standardized form on which a borrower lists his or her assets, liabilities, and income. It allows the lender to get an overall sense of the borrower's financial position and capacity to manage a loan. While each lender may have minor differences in their form, nearly all of the information requested on a PFS will be identical across lenders.

How Does It Affect My Hard Money Loan?

Most lenders will ask for a current PFS during the underwriting process, and most will want the information to be current as of the date of application (or within a short period of the application date). Since all personal financial statements contain basically the same information, you'll save time by periodically updating your statement and having it ready to go. That way, you won't have to spend time preparing it when your lender is ready.

Where Can I Find the Form?

LYNK Capital's Personal Financial Statement for both fix and flip and new construction projects can be found here.

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LYNK Capital is a fast-growing hard money lender offering hard money fix and flip loans, rehab and renovation loans, construction loans, and rental property loans. LYNK Capital is a direct private lender that offers lending solutions to real estate investors, contractors, builders, and developers.

Hard Money Fix and Flip Loans

LYNK Capital is your fix and flip lender. We offer hard money fix and flip loans for real estate investors. Fund your rehab or renovation project quickly with competitive interest rates and origination fees. Faster than bank financing with more flexible loan terms. Purchase and refinance options available.

Hard Money Construction Loans

Hard money new construction loans for builders and developers. Fund your new construction project quickly with competitive interest rates and origination fees. Faster than bank financing with more flexible loan terms. Purchase and refinance options available.

Rental Loans

Single-family rental loans for real estate investors. Borrow up to 80% of your property value. Finance your investment property quickly and easily.

Where Does LYNK Capital Lend?

LYNK Capital makes hard money fix and flip and construction loans in: Alabama, Connecticut, District of Columbia, Delaware, Florida, Georgia, Illinois, Indiana, Kentucky, Maryland, Massachusetts, Michigan, Missouri, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and West Virginia.

Get a hard money loan for your investment property today with our online rate quote and pre-approval.

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