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Levine Capital: Your One-Stop Shop for Fix&Flip and Fix2Rent Financing

fix&flip gap funding
Whether you’re flipping properties or building a rental portfolio, securing the right funding for your real estate investment projects is key to success. At Levine Capital, we specialize in hard money lending solutions tailored to the unique needs of real estate investors. Our First Lien Fix-and-Flip and Fix-to-Rent loans offer competitive terms, fast approvals, and flexible options. By including Gap Funding, you can cover the difference between your primary loan and total project costs, minimizing out-of-pocket expenses and maximizing leverage.

Why Choose Levine Capital as Your One-Stop Shop?

We provide a comprehensive financing solution at Levine Capital, so there’s no need to look elsewhere. Whether your focus is on completing a Fix-and-Flip or transitioning a property into a long-term rental, we’re here to simplify the process and ensure success.

  • First Lien Loans: Competitive and flexible financing for acquisition and renovation.
  • Gap Funding: Bridge the gap between your primary loan and total project costs, ensuring your project is fully funded.
  • Custom Term Sheets: We provide two tailored options:
 
    1. Standard Term Sheet: For a straightforward First Lien loan without Gap Funding.
    2. Comprehensive Term Sheet: Including both the First Lien and Gap Funding to cover additional costs such as closing, rehab, interest payments, and initial budgets.
 

By combining these options, we handle everything under one roof, saving you time and ensuring you have the financial support needed to execute your strategy.

Benefits of Gap Funding

Including Gap Funding in your financing package provides significant advantages:

  • Reduced Cash Requirements: Minimize your upfront investment, freeing up capital for other projects or reserves.
  • Full Project Financing: Cover closing costs, rehab budgets, interest payments, initial budgets, or even the first draw, ensuring your project stays on track.
  • Increased Buying Power: Take on larger or more complex projects without needing additional personal funding.
  • Faster Project Completion: Access funds quickly to complete renovations or move to the next phase of your investment.
  • Enhanced Flexibility: Use Gap Funding to adapt to unexpected expenses or opportunities during your project.

How to Submit Your Loan Scenario

Submitting your loan scenario is simple and efficient with Levine Capital. Follow these steps to get started:

Step 1: Visit Our Fix & Flip Bridge Page

To get started, visit our website, levinecapital.com, or the Fix & Flip Bridge page. This page provides essential details about our hard money loans, including:

  • Loan Terms: Interest rates, fees, and repayment durations.
  • Borrower Eligibility: Credit score requirements, experience levels, and more.
  • Property Guidelines: See which property types qualify for our First Lien programs.

Step 2: Submit a Quick Quote

Fill out our Quick Quote form, selecting the loan type that best fits your project (Fix-and-Flip or Fix-to-Rent). Include:
  • Property Purchase Price: What you’re paying to acquire the property.
  • Rehab Budget: The estimated costs for renovations.
  • After-Repair Value (ARV): The projected value after renovations.
  • As-Is Value (AIV): The current market value of the property.
  • Timeline: Your plan for acquisition, renovation, and sale or rental.
  • Exit Strategy: For flips, this means a sale; for rentals, this could mean refinancing into a DSCR loan.
  • Experience: Your real estate track record, including completed flips or rental projects.
  • Gap Funding Needs: Specify if you need Gap Funding to cover rehab costs, closing costs, interest payments, or other expenses.
Fix&Flip First Lien or Fix2Rent with Gap funding 1

Step 3: Review Your Loan Proposal

Once submitted, our underwriting team will evaluate your scenario and provide a tailored loan proposal. You’ll receive:

  • Two Term Sheets: One for a standard First Lien loan and another with Gap Funding included.
  • Loan terms, rates, and repayment options.
  • Guidance on the next steps to secure funding.

Step 4: Close and Execute Your Project

Once you’ve submitted your scenario, our underwriting team will review it and provide a tailored loan proposal. Expect details such as:

  • Loan amount and leverage options.
  • Interest rates and repayment terms.
  • Additional requirements, like appraisals or documentation.
  • For Fix2Rent loans, we’ll also outline transition options into long-term rental property financing.

Step 5: Close and Execute Your Project

After accepting the proposal, you’ll proceed with the closing process. Our team will manage:

  • Appraisal and Due Diligence: Verifying property value and supporting documents.
  • Loan Documentation: Signing agreements for your First Lien hard money loan.
  • Funding Release: Funds will be disbursed for acquisition and renovations.

Once the loan is closed, you can focus on executing your project—whether it’s a flip or a rental property investment.

Final Thoughts

After accepting the proposal, we’ll handle the closing process, including appraisals, due diligence, and funding disbursement. Once closed, you can focus on your project, confident that your financing is fully in place.

Frequently Asked Questions

Why is Levine Capital considered a one-stop shop for real estate financing?
Levine Capital simplifies the financing process by offering a comprehensive solution for real estate investors. We provide both First Lien loans and Gap Funding under one roof, eliminating the need to coordinate with multiple lenders. Whether you’re flipping a property or transitioning it into a rental, we offer tailored options, including two term sheets—one for standard First Lien financing and another with Gap Funding included—to meet all your project needs efficiently.

Gap Funding bridges the gap between your primary loan and total project costs, offering several key advantages:

  • Reduces your out-of-pocket expenses.
  • Covers critical costs such as closing fees, rehab budgets, interest payments, and initial budgets.
  • Provides flexibility for unexpected expenses.
  • Allows you to take on larger or more complex projects.
  • Speeds up project completion by ensuring all necessary funds are readily available.

When submitting your loan scenario, include detailed project information to help us tailor your loan proposal. Be sure to provide:

  • Property Purchase Price and Rehab Budget.
  • After-Repair Value (ARV) and As-Is Value (AIV).
  • Project Timeline and Exit Strategy (sale or refinancing).
  • Your real estate Experience and track record.
  • If requesting Gap Funding, specify the amount needed and the costs it will cover, such as rehab, closing, or interest payments.

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