When structuring a deal, investors often hit the same roadblock: one lender won’t cover everything. At Levine Capital, we solve that problem by doing both loans under one roof:
✅ The primary loan (Fix & Flip or DSCR)
✅ The Gap Funding or Morby Method layer (2nd position, seller finance, or creative structure)
This means you don’t have to juggle multiple lenders. Levine Capital does it all.
Step 1: Gather Your Deal Information
Before you submit, have these details ready:
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Property Address
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Purchase Price / Contract Price
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Rehab or Construction Budget (if any)
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As-Is Value (AIV) and After-Repair Value (ARV)
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Borrower Experience + Estimated FICO
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Exit Strategy (Flip, Refinance, or Long-Term Rental)
This helps us provide a Quick Quote in 24 hours or less.
Step 2: Fix & Flip and DSCR Loans
Our Fix & Flip Loans and DSCR Loans cover the main financing piece of your deal:
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Fix & Flip Loans fund acquisition + rehab
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DSCR Loans fund long-term rentals based on property cash flow, not personal income docs
Once the primary loan is set, we layer in Gap Funding or the Morby Method to cover the rest.
Step 3: Gap Funding (Close with Less Out of Pocket)
Even with a first-position loan, investors often face gaps for:
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Down Payment
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Closing Costs
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First Draw on Construction
That’s where our Gap Funding comes in. We provide a 2nd position loan so you can close with little to no money out of pocket.
Step 4: The Morby Method (Seller Finance + DSCR)
We also fund Morby Method deals—a powerful combination of seller financing and a DSCR loan:
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Seller carries a portion of financing
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We structure the rest with a DSCR loan
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You get low-money-down, cash-flowing rentals
Unlike most lenders, we understand and fully support Morby Method structures, and we provide both loans in-house so the deal actually closes.
Step 5: Submit Your Loan to Levine Capital
Submitting is simple:
👉 Go to our Quick Quote form: https://levinecapital.com/quick-quote/
👉 Select whether you’re applying for Fix & Flip, DSCR, or Morby Method
👉 Note if you need Gap Funding
👉 Get terms in 24 hours or less
Watch the Walkthrough Video
🎥 We recently went live to show exactly how to submit a loan with Gap Funding and the Morby Method.
Why Work with Levine Capital?
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Adam Levine is a Regional Leader for Gator in South Florida, a co-host of the Treasure Coast Meetup, and a proud member of Owners Club.
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Recognized as a Preferred Lender for the SubTo, Gator, and creative finance community.
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One-stop shop: We do both loans (primary + Gap/Morby).
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Expert guidance on creative financing.
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Quick Quotes in minutes with free appraisal rebates at closing.
Ready to Get Funded?
👉 Submit your Quick Quote now and let Levine Capital fund both sides of your deal—the main loan and the creative layer.
At Levine Capital, we make sure your deals don’t just get approved—they actually close.
