Most Fix & Flip lenders make it extremely difficult for investors who use private money to cover their down payment, closing costs, or first draw.
If your capital is coming from a Private Money Partner (PMP) or Gap Funder, traditional lenders usually demand:
❌ “Show us where the money came from.”
❌ “Provide 60–90 days of seasoning.”
❌ “Prove these funds weren’t borrowed.”
These requirements can delay underwriting, cause last-minute issues, or even kill your deal.
Levine Capital is different.
The Levine Capital Advantage for Fix & Flip Loans
When a Fix & Flip borrower is using a private lender to cover down payment money or gap funds, we do NOT require:
🚫 Sourcing of the PMP or Gap Funder’s money
🚫 30–90 days of seasoning
🚫 Bank statements from the capital partner
🚫 Proof that the partner didn’t borrow their funds
🚫 The “path of funds” documentation banks normally request
Because THEY are putting up the money — not you.
If your private lender or gap funder is contributing their own capital, we don’t make them jump through hoops.
This removes one of the biggest obstacles in Fix & Flip financing.
Perfect for Investors Who Bring In Private Lenders to Cover Their Down Payment
If you’re someone who:
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Finds a private lender
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Brings in a partner for down payment funds
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Uses a gap funder to cover closing costs or first draw
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Has someone willing to invest into your Fix & Flip
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Or works with multiple small private lenders
This program is built exactly for you.
No sourcing.
No seasoning.
No hassle.
Just clean, fast, investor-friendly closings.
Why Most Fix & Flip Lenders Still Say “No”
Traditional lenders require:
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2–3 months seasoning
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Full sourcing of the partner’s capital
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Verification of every deposit
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Statements from the private lender
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Actual proof the money wasn’t borrowed
This creates friction for creative investors — especially beginners or those raising capital.
Levine Capital Makes Fix & Flip Funding Simple
Our capital provider allows:
✅ No sourcing of private lender or PMP funds
✅ No seasoning requirements
✅ Partners under 50% ownership = Non-PG allowed
✅ Faster approvals
✅ Fewer documents
✅ Smooth closings
This flexibility is exactly why real investors choose Levine Capital as their go-to Fix & Flip lending partner.
A Preferred Lender in SubTo, Gator, and Owners Club
Levine Capital is trusted across the:
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SubTo community
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Gator community
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Owners Club
We’re known for:
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Understanding how creative investors structure deals
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Supporting private capital partnerships
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Moving fast
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Keeping documentation light
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Making Fix & Flip loans possible when others decline them
Final Takeaway
If you’re doing a Fix & Flip and using:
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A private lender
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A down-payment partner
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A gap funder
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Or any capital partner…
Levine Capital gives you a major advantage.
No sourcing. No seasoning. Just close.
