- 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 property portfolios, rural homes, and manufactured housing.
Traditional banks and cookie-cutter DSCR lenders break down the moment a transaction involves 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 standard business. From credit scores starting at 550 to rural acreage and manufactured housing, we fund the rental properties others decline.
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.
Most lenders decline rural acreage and manufactured homes. We handle both. Submit your details through Quick Quote for tailored pricing.
Standard lending guidelines penalize investors who buy off-market, acquire rural land, or finance manufactured housing. Levine Capital bridges the gap.
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: Because Adam Levine is a member of Pace Morby’s Owners Club, SubTo, and Gator communities, our DSCR loan products are specifically structured to accommodate creative finance structures, subject-to deals, and seller financing behind institutional debt.
| Program Element | Standard DSCR Rental | Rural & Manufactured 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 |
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.
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 structures DSCR takeout loans that seamlessly accommodate seller financing, subject-to acquisitions, and multi-layered capital stacks.
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 scaling single-family rentals, acquiring rural acreage, or structuring a Stack Method creative deal, Levine Capital has the capital channels to make it happen.
* 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.
