Unlock 100% Fix & Flip Financing—Here’s How

Gap Funding

Zero Out of Pocket? It's Possible with the Right Strategy.

At Levine Capital, investors often ask if 100% financing is possible. The short answer: yes—with the right structure. Our Fix and Flip program, combined with creative Gap Funding, can bring your out-of-pocket costs to nearly zero.

What’s the Catch?

We typically fund up to 70% of the combined loan-to-After Repair Value (ARV). To push beyond that, you need:

  • Cross-collateral (a second property)

  • Gap Funding (we’ll help you source it)

We work with vetted Connectors who bring in private Gap Funders to bridge the difference—and you might not have to pay anything upfront.

What is Gap Funding?

It’s second-position financing that covers what your primary loan doesn’t. That can include:

  • Down payment support

  • Rehab draws

  • Closing costs

  • Interest reserves

Connectors usually charge ~$5,000 (often rolled into your loan), and Gap Funders typically want a 15–30% ROI over 3–6 months.

How It Works

  1. Apply with a Quick Quote: Submit your deal details at levinecapital.com/quick-quote.

  2. Sign Our NDA: Protect your deal information and access our proprietary underwriting tools.

  3. Soft Credit Pre-Approval: No impact to your credit, and approval usually happens within 24 hours.

  4. Get Terms + Proof of Funds: We’ll send your loan terms and free proof of funds letter.

  5. Close Fast: We coordinate both loans internally—so you don’t have to juggle multiple lenders or timelines.

FAQs

Can I really finance 100% of my Fix and Flip?

Yes—if you structure it right with cross-collateral or Gap Funding.

Usually no. We roll it into your loan.

15–30% ROI over 3–6 months.

 

No. We require first-position on the deal to offer Gap Funding.

Boost Your Real Estate Success with Our Trusted Partners!

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For a comprehensive list of our affiliate partners and to explore more opportunities, please visit our Affiliate Partners Page.

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✦ New Program — Now Available

Ground Up Construction
For Every Experience Level

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.

🏗

New: Beginner Builder Program — No Prior Ground-Up Experience Required

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.

🏠
Ground Standard
For newer real estate investors
85%
of Total Project Costs
  • Experience Required1–2 prior ground-up builds
  • Max Loan-to-ARVUp to 70%
  • Term Length12 to 18 months
  • RecourseFull recourse
Get a Free Quote
Most Popular
🏆
Experienced Developer
For seasoned construction professionals
90%
of Total Project Costs
  • Experience Required3+ ground-up builds
  • Max Loan-to-ARVUp to 70%
  • Term Length12 to 24 months
  • RecourseFull recourse
Get a Free Quote

Beginner Builder — Quick Requirements Checklist

💳
660+
Min FICO Score
📐
80%
Max LTC
🏡
65%
Max Loan-to-ARV
📅
18 Mo
Max Term
💰
$50K+
Min Loan Amount
🔨
GC
Licensed GC Required

How to Get Funded in 5 Steps

1
Submit Quick Quote
Fill out our 60-second form with your project details
2
Get Pre-Screened
Our team reviews your scenario and sends a preliminary quote
3
Submit Documents
Upload plans, permits, GC contract, and borrower docs
4
Underwriting
Fast review with draw schedule and term sheet issued
5
Close and Build
Funds released in draws as construction milestones are hit

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.