The real estate investing landscape is shifting, and for the first time in a long while, the math is working in favor of investors who know how to structure their deals. If you have been waiting on the sidelines or struggling to piece together capital for your next project, we have game-changing news: 100% financing is back at Levine Capital.

For experienced investors, flippers, and the creative finance community, this means you can now secure funding that covers both 100% of your purchase price and 100% of your rehab costs. No more draining your liquidity, no more scrambling for gap funders, and no more passing on great deals because your capital is tied up elsewhere.

The Return of 100% Financing

In recent years, lenders tightened their belts, requiring significant skin in the game for every transaction. While conservative underwriting has its place, it often sidelines talented investors who have the skills to execute but lack the liquid capital to scale.

At Levine Capital, we understand that your expertise is your true equity. That is why we have reintroduced our 100% financing option for our Fix & Flip loan product. This program is designed specifically for investors who want to maximize their leverage and scale their operations without being bottlenecked by down payment requirements.

How It Works

Our 100% financing program is straightforward but powerful. When you bring us a deal that meets our underwriting criteria, we can fund:

• 100% of the Purchase Price: We cover the entire acquisition cost of the property.
• 100% of the Rehab Costs: We fund your entire renovation budget, held back and released in draws as work progresses.

This means you can acquire and renovate a property with zero money down on the hard costs of the deal. You preserve your capital for marketing, operations, or simply maintaining a healthy reserve.

Who Qualifies for 100% Financing?

While we are thrilled to offer this level of leverage, it is not a free-for-all. To protect both our investors and our capital, this program is tailored for experienced operators who have a proven track record of success.

To qualify for 100% financing, you generally need to meet the following criteria:

• Experience: You must be a Tier 4 or Tier 5 investor, meaning you have successfully completed 5 or more verifiable flips or rental properties in the last 3 years.
• Credit: A strong credit profile is required, typically a FICO score of 660 or higher.
• Deal Economics: The deal must make sense. We look for strong After Repair Value (ARV) margins and a clear, profitable exit strategy. The maximum After Repair Loan-to-Value (ARLTV) is typically capped at 75%.

If you are a newer investor (Tier 1-3), do not worry. We still offer highly competitive leverage — up to 90% Loan-to-Cost (LTC) — and we have specialized programs like our High FICO program (740+ credit score) that can push your leverage even higher.

The Go-To Lender for the Creative Finance Community

If you are part of the SubTo community or Pace Morby’s Owners Club, you probably already know Adam Levine. Adam has been the go-to creative lender inside SubTo for years, helping members structure deals that traditional lenders will not touch. His close friendship and working relationship with Pace Morby means he understands the creative finance playbook inside and out — from subject-to acquisitions to seller financing wraps to the Morby Method.

In fact, Levine Capital is the lender of choice for Morby Method deals. If you are combining seller financing with a DSCR exit or stacking creative strategies on your flips, Adam and the Levine Capital team know exactly how to structure the capital side so your deal closes smoothly.

Coming Soon: The Morby Method Deal Hub

We are also getting ready to launch something the creative finance community has been asking for — the Morby Method Deal Hub. This will be a dedicated resource for investors running Morby Method deals, giving you direct access to deal structuring tools, AI-powered pre-screening, and a streamlined submission process built specifically for creative finance transactions. Stay tuned.

Why Choose Levine Capital?

In a market where speed and reliability are everything, you need a lending partner who operates at your pace. Here is why top investors and the creative finance community choose Levine Capital:

• Close in as Fast as 10 Days: With our fast track option, we can close your loan in as fast as 10 days. Great deals do not wait, and neither do we.
• Creative Structuring Expertise: We specialize in creative lending structures. Whether you are utilizing the Morby Method, gap funding, subject-to exits, or navigating complex entity structures, we have the expertise to get the deal done.
• No Prepayment Penalties: Our Fix & Flip loans come with zero prepayment penalties. If you finish your project early and sell or refinance, you keep more of your profits.
• Direct Access to Decision Makers: We are a private lender, not a bureaucratic institution. When you work with us, you get direct answers and common-sense underwriting from people who actually invest in real estate themselves.
• Proof of Funds Letters: Need a POF letter to lock up a deal? We provide them quickly so you never lose a contract.

Ready to Fund Your Next Deal?

If you have a deal under contract or are actively making offers, do not let capital constraints hold you back. Leverage our 100% financing program to scale your portfolio faster than ever before.

Take the next step today:

👉 Submit a Quick Quote in 5 Minutes — Get a definitive answer within 24 hours. No contract required.

👉 Talk to Our AI Loan Officer — Have questions about your specific scenario? Get instant feedback from our AI Loan Officer, available 24/7.

At Levine Capital, we are committed to fueling your success. Whether you found us through SubTo, the Owners Club, or a fellow investor’s recommendation — we are here to get your next deal funded.

Let’s build.