If you’re an experienced real estate investor, you know that leverage is the name of the game. The ability to fund your projects with minimal out-of-pocket capital allows you to scale your portfolio faster and take down more deals simultaneously. At Levine Capital, we understand the needs of seasoned investors, which is why we are thrilled to announce that 100% financing is back on our standard loan products for experienced borrowers.
Whether you’re looking to fund your next fix and flip or expand your rental portfolio, our updated guidelines are designed to give you the maximum leverage possible. Let’s dive into the details of our new 100% financing program and how you can take advantage of it.
The Return of 100% Financing
For a long time, finding true 100% financing in the private lending space was like searching for a needle in a haystack. Lenders tightened their belts, and investors were forced to bring more cash to the closing table. But the market is shifting, and Levine Capital is leading the charge by bringing back 100% financing for our most experienced borrowers.
This program is specifically tailored for investors who have a proven track record of success. By offering up to 100% financing on the renovation costs and up to 90% Loan-to-Cost (LTC) on the purchase, we are empowering you to keep your capital working for you, rather than tied up in a single property.
100% Financing for Experienced Investors
To qualify for our 100% financing program on standard loan products, you need to meet our updated experience and credit requirements. We’ve streamlined our guidelines to make it easier for active investors to get the leverage they need. Here are the key criteria:
• Experience: You must have completed 10+ properties, with at least 5 of those properties located in the same state as your new project.
• Credit Score: A minimum FICO score of 720+ is required.
• Loan Amount: The maximum loan amount is $800,000 (or up to $1,000,000 in California).
One of the most exciting updates to our guidelines is how we calculate your experience. Experience is now based on ALL completed rehabs in the last 3 years, regardless of the state. This means that if you’ve been actively flipping properties across the country, all of those successful projects will count toward your experience tier, helping you unlock our highest leverage options.
New: 90/100 Program for High FICO Borrowers
But that’s not all. We’ve also introduced a brand-new 90/100 program specifically designed for high FICO borrowers with no experience requirement. If you have a 740+ credit score, you can qualify for up to 90% LTC on the purchase and 100% financing on renovations—without needing to prove extensive real estate investing experience.
This program is perfect for first-time investors or experienced investors in new markets who want to move fast without the burden of extensive documentation. Your credit score does the heavy lifting, and we handle the rest.
Updated Foreign National Guidelines
We haven’t just updated our guidelines for domestic investors; we’ve also made significant improvements for Foreign Nationals investing in US real estate. We know that international investors face unique challenges when securing financing, and we’re committed to making the process as smooth as possible.
Under our new guidelines, Foreign Nationals residing in the US with a valid US credit score can now be underwritten based on that credit score, without a Foreign National leverage reduction. This is a game-changer for international investors who have established credit in the US.
While all standard document requirements remain in place (such as a valid passport and US visa), this update means that qualifying Foreign Nationals can access the same high-leverage options as domestic borrowers, without the typical LTV haircuts.
How Levine Capital Can Help Fund Your Next Deal
At Levine Capital, we are more than just a private lending company; we are your partner in real estate investing. Our AI-powered operations ensure fast closings, and our creative finance expertise means we can structure deals that other lenders simply can’t.
Whether you need a Fix & Flip loan with 100% renovation financing, a DSCR Rental loan to stabilize your portfolio, or Ground Up Construction financing, we have the capital and the expertise to get it done. Plus, if you hold the $LEVINECAP token, you can unlock exclusive benefits like fee discounts and appraisal rebates up to $500.
We’re also gap funding friendly and a Stack Method/Morby Method friendly lender. If you’re using creative finance strategies to maximize your returns, we’re here to support your deal structure. Our flexible underwriting allows us to work with gap financing scenarios and alternative funding methods that align with modern real estate investing strategies — including subject-to, seller financing stacks, and gap funding from private investors.
For our broker partners, we offer flexible compensation structures and the ability to white-label our services. You tell us what you want to make, and we can try to make it work, ensuring great economics for both you and your client. Whether you’re structuring gap financing or using Stack Method/Morby Method strategies, we’re equipped to support your unique deal requirements.
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Frequently Asked Questions
What’s the difference between the 100% financing program and the 90/100 high FICO program?
The 100% financing program is for experienced investors (10+ properties, 5+ in the same state, 720+ FICO). The 90/100 program is for high FICO borrowers (740+) with no experience requirement. Both offer up to 90% LTC on purchase and 100% on renovations.
What counts as a “completed rehab” for experience?
A completed rehab is a property that you have successfully purchased, renovated, and either sold or refinanced within the last 3 years.
Do I need to bring any cash to closing with 100% financing?
While we offer up to 100% financing on renovation costs and up to 90% LTC on the purchase, you will still need to cover closing costs, fees, and any required interest reserves.
Can Foreign Nationals get 100% financing?
Foreign Nationals residing in the US with a valid US credit score can be underwritten based on that score without a leverage reduction, and can qualify for either the 100% financing program (if they meet experience requirements) or the 90/100 high FICO program (if they have a 740+ credit score).
How fast can Levine Capital close a loan?
Thanks to our AI-powered operations, we can typically close loans in as little as 10 days, depending on the complexity of the deal and how quickly you provide the required documentation.
