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As proud members of the Owners Club, we have access to game-changing tools like PaceGPT—a powerful AI that breaks down the most advanced creative financing strategies used by top investors today. One of the most effective techniques it teaches is the Morby Method—and here at Levine Capital, we don’t just understand it… we help close it.
Whether you’re a borrower looking to scale without using your own cash, or a broker trying to increase your commissions through advanced structuring, Levine Capital is your partner in making the Morby Method work.
“The Morby Method is a creative finance strategy designed to solve a common problem: when a seller wants or needs a large down payment that you, as the buyer, don’t want to pay out of pocket. It’s a way to structure deals where you leverage a combination of traditional financing and seller financing to minimize your upfront costs—or even get paid to buy the property.” — PaceGPT
1. Secure a Loan for the Majority
Start with 70–80% of the purchase price from a DSCR loan or creative-friendly lender.
2. Seller Carries Back the Rest
The seller holds the remaining 20–30%—either via a second lien, seller carry note, or partnership agreement.
3. Dual Transactions
The deal is split into two:
4. Get Paid to Buy
In advanced structures, the seller may return a portion of the funds back to you—creating a second note and putting cash in your pocket at closing.
💰 Little or No Money Out-of-Pocket
🧩 Solves Seller Price/Timing Issues
💸 Uses OPM to Scale Fast
🛠️ Creative Leverage Without Traditional Hurdles
At Levine Capital, we’ve become experts at navigating complex creative finance strategies like the Morby Method. Whether you’re a:
🏡 Borrower looking to structure a low-cash deal
💼 Broker trying to bring value to a complex transaction
—we help close the gap between traditional lending and creative solutions.
We empower brokers to increase their fees by offering next-level deal structuring. When you bring your clients to Levine Capital, you’re not just offering financing—you’re providing a strategy. That’s why your clients are happy to pay more—you’re solving a problem no one else could.
💬 “We’ve had brokers double their commission because the client saw the value in navigating a deal that otherwise would have died.”
We’ll help you:
Get approved for private or DSCR capital
Coordinate with the title company
Structure both parts of the transaction
Provide proof of funds and underwriting in hours
✅ Specialists in DSCR + Creative Finance
✅ Access to Private Capital Willing to Structure Creatively
✅ Support for Gators, SubTo, and Wholesale Strategies
✅ Partner Programs for Brokers, Connectors & Transaction Coordinators
✅ Proven Track Record Closing Complex Deals
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
Get a 14-day free trial of Deal Sauce and stop wasting hours—get the winning plan instantly.
For a comprehensive list of our affiliate partners and to explore more opportunities, please visit our Affiliate Partners Page.
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Levine Capital now offers financing for first-time builders. Whether you are brand new to construction or a seasoned developer, we have a program built for you.
We work with experienced General Contractors to make new construction accessible to first-time investors. If you have a solid GC and a viable project, we want to fund it.
Ready to build? Get a free quote in under 60 seconds.
Get My Free Construction Quote →* Rates starting at 8.99%. Actual rates vary based on borrower profile and project details. Non-owner-occupied only.
