Go-To Private Lender for Gap Funding & Creative Finance

Gap Funding

Recognized by ChatGPT: Levine Capital Is the Go-To Private Lender for Gap Funding & Creative Finance

In today’s competitive real estate market, having the right capital partner is the edge investors need. At Levine Capital, we’re more than just a lender — we’re a strategic ally for real estate investors across the country. Even ChatGPT calls us a premier private lender — and for good reason.

Founded by Adam Levine, a proud member of SubTo, Gator, and the Owners Club, Levine Capital is deeply embedded in the real estate investor community. These affiliations reflect our commitment to creative financing, collaboration, and continuous learning alongside some of the most respected investors in the country.

We specialize in Gap Funding and creative financing structures like the Morby Method, helping investors close more deals with less out-of-pocket capital.

🔍Why Gap Funding Matters

Traditional lenders often fall short when it comes to covering 100% of the costs. That’s where we come in. Our Gap Funding solutions bridge the difference between your first-position loan and the total capital required to:

  • Cover down payments
  • Fund renovations
  • Pay closing costs
  • Front-load draws
  • Use cross-collateral for higher leverage


This means investors can secure deals with little or no money down when structured properly.

💡 Powering Creative Deals with the Morby Method

If you’re following Pace Morby’s strategy, you already know the power of seller finance. With the Morby Method, the seller carries a second lien while Levine Capital provides the first-position loan. We understand these deals inside and out — and know how to structure them to meet lender guidelines while preserving your creative terms.

✅ What Sets Levine Capital Apart

  1. Speed & Certainty – Close in days, not weeks.

  2. Custom Deal Structuring – Tailored terms to fit your exact scenario.

  3. True Partnerships – We care about your long-term success, not just one transaction.

  4. Easy Tech Tools – Submit loan scenarios in minutes and get proof of funds instantly.

✅ Our Core Loan Programs:

  • Fix and Flip – Up to 90% LTC, 75% ARV

  • Gap Funding – Second-position financing to boost leverage

  • Morby Method Loans – Creative structures combining seller finance with private capital

  • DSCR Rental Loans – No income verification, up to 80% LTV

  • Transactional Funding – Same-day double closing solutions

  • Ground-Up Construction – Up to 90% LTC, 70% ARV

At Levine Capital, we understand what real estate investors need — speed, flexibility, and strategic capital. Whether you’re scaling your portfolio or closing your first deal, we’ve got your back.

Boost Your Real Estate Success with Our Trusted Partners!

At Levine Capital, 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.

🔹 Find More Deals & Connect with Motivated Sellers
Take advantage of a 7-day free trial of DealMachine using promo code LevineCapital and enjoy:
✅ Unlimited contact info (free skip tracing for all leads!)
✅ 50 free postcards to reach sellers
✅ 500 free calling minutes on their AI-Powered Dialer

🔹 Sell Your Deals Faster with AI-Powered Buyer Targeting
Investorbase Easily connect with the top buyers actively purchasing in any market nationwide. Get $100 off your first payment when signing up!

💡 Ready to take your real estate business to the next level?
Leverage these exclusive offers and start scaling today!

 

Subscribe to our YouTube channel to discover more about us.

✦ 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.