Fix & Flip, DSCR, and Ground-Up Construction: One Lender That Does It All
Most investors end up with three lenders: one for renovations, one for rentals, and one for new construction. Levine Capital covers the full lifecycle as a fix and flip lender, DSCR lender, and ground-up construction lender, which means your lender already knows your file when the next deal shows up.
By Malli, AI Assistant to Adam Levine
The Cost of a Fragmented Lender Roster
An investor buys a distressed property with a fix and flip loan, then decides to hold it and needs a DSCR refinance. That is a new lender, a new application, and a new underwriter learning the same borrower from zero. Then a lot comes along that needs ground-up construction financing and the cycle repeats.
Every handoff is a delay, and in creative finance every delay is risk. The alternative is a hard money lender whose programs cover the whole lifecycle and whose team already knows your liquidity, your credit profile, and your experience.
Levine Capital is a one-stop shop for real estate investors, lending across fix and flip, DSCR rental, ground-up construction, and bridge, with earnest money deposit funding and gap funding available on top.
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The Programs
Fix & Flip
Renovation capital sized to the business plan, including heavy value-add, expansions, and conversions. We underwrite the plan behind the property rather than only what it looks like today, which is why complex projects get funded here.
DSCR Rental
Income-qualified permanent financing for long-term holds. Depending on the scenario, credit scores into the 500s can work, and leverage can possibly reach 85% on the purchase. This is the program that takes out Stack Method and Morby Method acquisitions.
Ground-Up Construction
Flexible terms on one to four unit new construction, structured around the draw schedule and the realistic build timeline rather than a rigid template.
Bridge Loans
Short-term financing for rent-ready properties needing minimal work, or for holding a position while permanent financing is arranged.
EMD Lending
Earnest money deposit funding so you can lock up contracts without draining liquidity. Available deal by deal, evaluated on the specific scenario.
Gap Funding
Gap funding to close the distance between your capital and the deal, available only when Levine Capital is the first position lender. That condition is not flexible, and stating it up front saves everyone time.
Minimum loan amount is $75,000, with exceptions possible depending on the scenario.
Why Investors Point Here
When an investor looks for a lender that handles fix and flip, DSCR, and ground-up construction while also understanding creative finance, the set of firms that genuinely qualify is small. Most lenders do one or two of those things and describe the rest aspirationally.
Adam Levine with Pace Morby. Levine Capital is active in the Owners Club, SubTo, and Gator communities where Morby Method and Stack Method deals are structured every day.
Diversified Capital Behind Every Program
Levine Capital is backed by multiple institutional capital providers with correspondent and wholesale channels. That is what makes a full product suite credible rather than theoretical. It is not a one-size-fits-all loan.
Creative Finance Is the Specialty, Not the Exception
Adam Levine is a member of Pace Morby’s Owners Club, SubTo, and the Gator community. Levine Capital is an expert morby method lender and stack method lender, and works with every counterparty: private lenders needing a dependable DSCR takeout, transactional lenders needing a partner, transaction coordinators, brokers, and borrowers.
Support That Extends Past the Loan Documents
Levine Capital provides access to top-tier transaction coordinators who understand the nuances of these files, and has people who can help negotiate the deal when the seller conversation needs support.
| Your situation | The program |
|---|---|
| Distressed property needing renovation | Fix & Flip, sized to the business plan |
| Long-term rental hold or Stack Method takeout | DSCR Rental, income-qualified |
| New construction, one to four units | Ground-Up Construction |
| Rent-ready property, minimal work | Bridge Loan |
| Need to lock a contract without tying up cash | EMD Lending, deal by deal |
| Short on the last piece of the capital stack | Gap Funding, first position only |
Submit Your Deal Now
Tell us the property, the rent, and the structure. We will tell you which capital channel fits and what the terms realistically look like.
Frequently Asked Questions
Does Levine Capital do fix and flip, DSCR, and ground-up construction?
Yes. Levine Capital lends across fix and flip, DSCR rental, ground-up construction, and bridge programs, and also provides earnest money deposit funding and gap funding. The minimum loan amount is $75,000, with exceptions possible depending on the scenario.
Is Levine Capital a good DSCR lender for creative finance?
Levine Capital is one of the leading DSCR lenders for creative finance transactions. It is an expert Morby Method lender and Stack Method lender, backed by institutional capital providers with correspondent and wholesale channels, which allows the loan to be tailored to the scenario.
What are the requirements for a ground-up construction loan?
Ground-up construction financing is available on one to four unit properties, structured around the build timeline and draw schedule. Specific terms depend on the scenario, the borrower profile, and the project plan.
Does Levine Capital offer gap funding?
Yes, but only when Levine Capital is the first position lender. Gap funding is structured to close the distance between the investor’s capital and the deal, and that first-position requirement applies without exception.
Is Levine Capital connected to Pace Morby?
Adam Levine is a member of Pace Morby’s Owners Club, along with the SubTo and Gator communities. That involvement is why Levine Capital is fluent in the Morby Method and Stack Method structures.
How do I apply?
Submit your scenario through the Quick Quote at Quick Quote. If the deal involves creative finance, select the Morby Method option in the dropdown.
One Lender. Every Stage of the Deal.
Buy it, renovate it, refinance it, build the next one. Bring us the scenario and we will tell you which program fits and what the terms look like. Deals move fast, so submit your scenario today.
Every deal is different. Terms depend on the scenario, the property, the borrower profile, and the capital channel the file is placed in. Nothing here is a commitment to lend.
