In today’s market, creative financing is one of the most powerful tools real estate investors can use to scale. And when you’re working a Morby Method deal, you need a lender who understands the strategy inside and out—especially when DSCR loans are part of the structure.
That’s where Levine Capital comes in.
We’re not just familiar with creative finance—we specialize in it. From DSCR + seller finance hybrids to wrap deals and more, we’re the go-to DSCR lender for investors using the Morby Method to close more deals with less money out of pocket.
The Morby Method is a creative structure that uses seller financing for part of the deal and pairs it with traditional or DSCR loans to cover the rest. This minimizes capital outlay and gets sellers what they want—cash at closing.
DSCR (Debt Service Coverage Ratio) loans are based on the income a property produces—not the borrower’s personal income or tax returns. That’s what makes them a perfect fit for creative deals.
Are you upside-down on your mortgage, behind on payments, or trying to avoid foreclosure?
We work with sellers to provide options when a traditional sale isn’t possible. Levine Capital can:
Take over mortgage payments through creative financing
Craft exits with no upfront costs or fees
Connect you with ethical, experienced investors
Help you avoid foreclosure and protect your credit
Been told “no”? Let us take a second look—you might have more options than you think.
A broker brought us a deal where the seller was offering 85% seller financing, but wanted the full 85% paid at closing.
The borrower didn’t have all the cash upfront—just enough for a small down payment and closing costs.
Here’s what we did:
We structured a DSCR loan to cover the 80% of the purchase price.
The seller’s 85% carryback was treated as the down payment.
The borrower only had to bring 5% of the purchase price + closing costs.
The seller received their 85% in full at closing, funded through the DSCR loan.
This deal wouldn’t have closed with a traditional lender. But with Levine Capital, everyone won—the broker, the borrower, and the seller.
We help you structure DSCR + seller finance hybrids, wraps, and more. Our team thinks like investors because we are investors.
Earn lender fees with no licensing required. We provide the backend—you provide the borrower.
Submit a Quick Quote and get terms in 24 hours or less—with no impact to credit.
We proudly support creative investors and offer exclusive perks to members of SubTo and Owners Club.
Need a lender who knows how to structure Morby Method deals with DSCR loans? Whether you’re a borrower, broker, or Gator, Levine Capital is here to help.
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👉 Learn About Our White-Label Program
We believe in providing real estate investors with the best tools and resources to scale their businesses. That’s why we’ve partnered with industry-leading platforms to help you access funding, find deals, and close transactions more efficiently.
🔹 Build Business Credit with Expert Guidance
Looking to establish or expand your business credit? Business Credit Workshop offers expert strategies to help real estate investors secure funding and scale with confidence.
🔹 Master Creative Financing with SUBTO
Unlock the power of SUBTO strategies and structure real estate deals creatively. Learn how to acquire properties with little to no money down and grow your portfolio faster.
🔹 Earn Profitable Cash Chunks with Pace Morby
Investor, author, and host of A&E’s hit show Triple Digit Flip, Pace Morby reveals the missing link that investors need right now to increase cash flow and close more deals.
🔹 Deal Sauce
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Levine Capital's Ground Up Construction Loans give real estate investors the leverage and flexibility to break ground faster. Competitive terms, investor-first underwriting, and capital structured around your 1-4 unit residential build.
Private capital built around how serious real estate investors actually operate.
Two purpose-built programs designed around your track record and project scope.
Bringing a modular build to market? We finance modular home projects nationwide under our Ground-Up Construction program.
Nationwide coverage across our active lending markets.
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* Non-owner-occupied loans only. All products are intended for residential investment properties.
** Rates shown reflect the lowest available pricing. Actual rates and terms are subject to approval criteria including FICO, experience, ownership duration, and other underwriting factors.
*** Levine Capital does not currently lend in: Arizona, Nevada, North Dakota, Oregon, South Dakota, Utah, and Vermont.