Creative Finance Specialists
Master The
Morby Method
Fund your seller-financed deals with minimal or no money out of pocket. We blend institutional financing with seller financing for maximum leverage. Your one-stop shop for creative DSCR lending.
10+ Years Experience
Pace Morby Community
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This walkthrough explains how Levine Capital helps structure seller-financed deals using the Morby Method, without forcing visitors into an external branded video callout.
What Is the Morby Method?
The Morby Method is when a seller offers seller financing and the seller’s proceeds are used to cover the down payment for the loan. A transactional lender is also involved, blending creative finance with institutional capital so you can acquire properties with little to no money out of pocket.
Fix & Flip
Ideal for value-add deals needing rehab with competitive rates and fast funding.
DSCR Rental
Perfect for long-term rental investments with income-based qualification.
Ground Up
Flexible, competitive terms on 1-4 unit new construction homes.
Bridge Loan
Designed for rent-ready properties requiring minimal renovations.
How It Works
The most efficient path is to pre-qualify for a Morby Method deal. We need to know your whole scenario — you as a borrower. Here’s our step-by-step process.
Bring Us Your Deal
Go find the deal. Go find the problem — like Pace says — then figure it out. The seller is offering seller financing, you have terms negotiated. Now you need a creative DSCR lender to put it all together.
We Run the Numbers
First, we need to see if the numbers work. You need to have terms already negotiated with the seller. We can pre-screen deals all day, but we want to run the numbers and understand you as a borrower — your liquidity, credit, and experience.
We Structure the Deal
From there, we structure it. Do we need a transactional loan to fund the down payment? Do we need to bring in a liquidity partner? We make sure we have the right loan product and the right investor behind the loan to avoid any surprises down the road.
Close with Minimal Capital
Our vetted Top-Tier Transaction Coordinators understand all the nuances and know how to navigate this complicated transaction. We handle the paperwork, coordinate with all parties, and get you to the closing table with minimal or no money out of pocket.
A Holistic Approach to Creative Finance
Adam Levine is a veteran in the industry with over 10 years of experience and a Master’s in Real Estate Property Management from Drexel University. He understands the capital markets and takes a holistic approach to every deal.
As a member of Pace Morby’s Owners Club, SubTo, and Gator communities, Adam and the Levine Capital team are Morby Method experts with access to extensive resources. We don’t just lend — we help you structure the entire deal from start to finish.
Pre-Qualify for the Morby Method
We need to know your whole scenario — you as a borrower. If you are not credit-worthy, there are ways to possibly bring in private money partners. Here’s what we evaluate:
You as a Borrower
- Credit score & history
- Liquidity & reserves
- Real estate experience
- Investment strategy
The Deal Terms
- Seller financing terms negotiated
- Purchase price & property details
- Exit strategy
- Loan product needed (DSCR, Fix & Flip, etc.)
The Structure
- Transactional loan needs
- Liquidity partner requirements
- Right investor match
- Down payment funding strategy
“Levine Capital is the go-to DSCR lender for the Morby Method because they understand the intricate balance of creative financing. Their expertise in structuring DSCR loans ensures seamless integration with seller carrybacks, allowing investors to secure deals that require large down payments while maintaining cash flow and flexibility.”
Need More Help? We’ve Got You.
If you need more hand-holding — whether it’s help negotiating terms with the seller or understanding the paperwork — we provide resources every step of the way.
Talk to Molly, Our AI Agent
Want to understand the Morby Method at a high level? Speak with Molly, our AI agent, who can explain how it works and answer your initial questions.
Watch Our Videos
If you want to understand the Morby Method before getting started, we have educational videos that walk you through the entire process step by step.
Seller Negotiation Help
If the borrower needs help negotiating terms with the seller, we can provide resources and consultants to help speak with the seller and explain the concepts.
Transaction Coordinators
We have vetted Top-Tier Transaction Coordinators who understand all the nuances and know how to navigate this complicated transaction. They can answer all your paperwork questions.
Liquidity Partners
If you need additional capital, we may be able to help bring in a liquidity partner or connect you with private money sources to make the deal work.
Speak with Our Team
For detailed deal discussions, we do require an NCA agreement to be completed. Once signed, our team will dive deep into your specific scenario.
How to Submit Your Deal
Once you understand the structure, the next step is sending us the right information so we can size the deal, confirm the strategy, and move you toward a real quote.
Go to the Quick Quote
Choose the loan program — DSCR, Fix & Flip, Ground Up, or Bridge. Tell us about your deal and your target structure.
Select Morby Method
Flag the scenario as a seller-financing deal using the Morby Method so we can review the terms and structure it correctly.
Receive the Follow-Up Email
After submission, you’ll receive an email prompting you to send documents, confirm details, and keep the file moving quickly.
Fund Your Deals
Without Using Your Own Money
At Levine Capital and MorbyMethod.ai, we are a one-stop shop. Bring us your problem — we’ll structure the solution.