- LOAN PORTAL
Rates starting at 5.39%*. Minimum credit score as low as 550 (scenario-dependent). Up to 85% LTV on purchase. Levine Capital is the go-to Morby Method and Stack Method lender for rental portfolios, non-warrantable condos, rural homes, and manufactured housing.
Traditional banks and cookie-cutter DSCR lenders break down the moment a transaction involves a non-warrantable condo project, creative finance, subordinate seller carry, rural land, or a manufactured home. We are backed by multiple institutional capital providers with correspondent and wholesale channels, which means we do not force every deal into the same rigid box.
Whether you are acquiring a single-family rental, building a multi-property portfolio, or executing a complex Stack Method acquisition, our underwriting team tailors the loan to the actual structure of the deal.
Where other lenders see exceptions, we see a deal that needs the right structure. Our team evaluates qualifying non-warrantable condos alongside rural acreage, manufactured housing, and creative capital stacks instead of relying on a single agency checklist.
Submit your scenario through Quick Quote in under five minutes. Our team reviews the numbers and structure before you get on a call.
Designed for professional investors, syndicators, and creative finance practitioners scaling long-term cash flow without personal income verification.
Submit the project, property, and capital-stack details through Quick Quote. We evaluate qualifying non-warrantable condo, rural, and manufactured-home scenarios through the appropriate lending channel.
Standard lending guidelines can stop at the project, property, or capital structure. Levine Capital evaluates the complete investment scenario and routes it to an appropriate channel.
We evaluate qualifying non-warrantable condominiums for DSCR rental and Fix & Flip scenarios. Review includes the project, insurance, budget and reserves, litigation, occupancy, property condition, cash flow, and exit strategy. All terms remain subject to underwriting and capital-provider approval.
Available for rural properties. While rural deals carry specific capital-channel overlays depending on acreage and location, our team knows how to structure them to close.
Manufactured housing can be financed through our specialized wholesale and correspondent channels. We understand the titling and valuation nuances that make other lenders walk away.
No seasoning required on a cash-out refinance when you provide before-and-after photos and proof of payment (paid invoices, lien waivers, or receipts). Also zero seasoning when refinancing out of a fix & flip loan or all-cash purchase.
The Stack Method & Morby Method Advantage: Adam Levine is a member of Pace Morby’s Owners Club, SubTo, and Gator communities, and Levine Capital specializes in evaluating layered creative-finance structures. We allow seller-held second-position financing in eligible DSCR and Fix & Flip structures when the senior lender permits it and the full capital stack passes underwriting, title, leverage, and repayment review.
| Program Element | Standard DSCR Rental | Specialty Property / Structure Overlay |
|---|---|---|
| Minimum Credit Score | As low as 550 (scenario-dependent) | Scenario-dependent based on capital channel |
| Maximum Leverage | Up to 85% Purchase / 80% Cash-Out | Evaluated by property type and channel guidelines |
| Loan Amount Range | $75,000 to $2,000,000 | $75,000 to $750,000+ (exceptions possible) |
| Seasoning Requirement | Waived with before/after photos & proof of payment | Waived with qualifying project documentation |
| Lease Requirements | Lower of in-place rent or market rent (unleased = 90% market) | Standard rental income verification |
| Creative Finance / Seller Carry | Fully accommodated as a Stack / Morby Method lender | Structured with institutional correspondent channels |
| Non-Warrantable Condos | Available for qualifying DSCR scenarios | Project, insurance, litigation, occupancy, cash flow, and exit strategy reviewed individually |
Every deal has its own story. We evaluate the property, the rents, and the capital stack to tailor the loan to your exact scenario.
A Debt Service Coverage Ratio (DSCR) loan allows real estate investors to qualify for rental property financing based on the property’s cash flow rather than personal W-2 income or tax returns. If the monthly rent covers the PITIA mortgage payment (typically a 1.0x ratio or higher), the loan qualifies.
Our DSCR program features a minimum credit score starting as low as 550 (scenario-dependent). We work with investors across a wide credit spectrum by leveraging multiple institutional capital providers and correspondent channels.
Yes. Levine Capital is recognized as a go-to lender for rural properties and manufactured homes. While these property types involve specialized capital channels, we understand the nuances and know how to get them closed.
Yes, qualifying non-warrantable condos may be considered for DSCR rental or Fix & Flip financing. We review the condominium project and the individual deal, including insurance, budget and reserves, litigation, occupancy, property condition, cash flow, and exit strategy. Approval and terms depend on full underwriting and the selected capital provider.
We require zero seasoning on a cash-out refinance if you provide before-and-after photos and proof of payment (paid invoices, lien waivers, or receipts). There is also no seasoning required when transitioning out of a Levine Capital fix-and-flip loan or an all-cash purchase into a long-term DSCR loan.
As a credit-verified partner to creative finance investors and a member of Pace Morby’s Owners Club, Levine Capital evaluates DSCR takeout loans with seller financing, subject-to acquisitions, and multi-layered capital stacks. Seller-held second-position financing is allowed in eligible structures when the first-position lender permits it and the transaction meets underwriting, title, leverage, and repayment requirements.
Submit your loan scenario through our Quick Quote in less than five minutes. Our team reviews your numbers and structuring before scheduling a call to lock in terms.
Stop letting rigid bank guidelines stall your portfolio growth. Whether you are financing a non-warrantable condo, scaling single-family rentals, or structuring a Stack Method deal with a seller-held second position, Levine Capital can evaluate the complete scenario.
* Non-owner-occupied loans only. Rates starting at 5.39% represent the lowest possible options and vary based on approval criteria including FICO, experience, and leverage. Minimum credit score as low as 550 (scenario-dependent). Earnest money deposit funding available deal by deal. Gap funding requires Levine Capital in first position. Nothing on this page is a commitment to lend.
