Creative Finance Specialists
The Expert
Morby Method Lender
You already know how the Morby Method works. What you need is the right Stack Method lender. Levine Capital works with every counterparty in the transaction: private lenders who need a reliable DSCR takeout, transactional lenders who need a partner, transaction coordinators who need a lender that speaks this language, and the borrowers themselves. Backed by institutional capital providers with correspondent and wholesale channels, we tailor the loan so it works with all parties involved.
10+ Years Experience
Pace Morby Community
Watch the Gator walkthrough near the top of the page
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? Do you need a top-tier transaction coordinator? We can help with that too. We even have people who can help negotiate the deal if needed. We make sure we have the right loan product, the right investor behind the loan, and the right team in place 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.
Backed by Institutional Capital, Structured for Creative Finance
Levine Capital is backed by multiple institutional capital providers, with correspondent and wholesale channels that let us tailor the loan to the scenario. Most lenders force every deal into one program. We do the opposite: we look at the asset, the borrower, the exit, and the capital stack, then place the file with the source whose guidelines actually fit. It is not a one-size-fits-all loan.
That flexibility is exactly what a Morby Method or Stack Method deal requires. When seller financing sits behind institutional debt, the structure has to be underwritten deliberately. We are fluent in that structure, not merely tolerant of it.
EMD Lending
Earnest money deposit funding so you can lock up contracts without draining liquidity. Learn more about earnest money deposit funding.
Gap Funding
Gap funding as a first position lender, structured to close the distance between your capital and the deal. See our gap funding program.
Fix & Flip
Renovation capital sized to the business plan, including heavy value-add, expansions, and conversions that other lenders decline.
DSCR Rental
DSCR-friendly permanent financing for the refinance leg, including rural properties and short-term rentals. Run the numbers with our DSCR calculator.
Looking for a Morby Method Deal? Contact Greice Levine
Greice Levine is the Unicorn Realtor at Keller Williams Treasure Coast, and she is the person sourcing creative finance inventory across Port St. Lucie, Stuart, Vero Beach, Fort Pierce, and Jensen Beach. She works SubTo and seller-financed deals for homestead buyers and investors alike, which means she can tell the difference between a seller who will genuinely carry and a seller who will waste three weeks of your time.
If you want a Morby Method deal on the Treasure Coast, start with Greice. Reach her directly at greice@levinecapital.com, then bring the structure to Levine Capital for the lending side.
How We Fund Creative Finance Deals
Read the case studies and guides behind the positioning.
21 Closings, Zero Dead Deals
One investor. $2.53 million funded across 21 loans in eleven months, including four BRRRR cycles and a fifteen-day close.
The Trusted Morby Method & Stack Method Lender
Written for investors, transaction coordinators, and transaction lenders who need the funding leg handled correctly.
KW Treasure Coast x Levine Capital
How Greice Levine sources creative finance inventory on the Treasure Coast and how the lending side gets structured.
You Are Not Looking for a Definition. You Are Looking for the Right Lender.
If you found this page, you already understand how the Stack Method works. The question that actually matters is whether the lender on the other side of the transaction understands it too, and whether they can perform when the structure is unusual. That is the part most lenders get wrong.
Levine Capital works with every counterparty in a Morby Method transaction. Private lenders, transactional lenders, transaction coordinators, brokers, and borrowers all come to us for the same reason: we are fluent in this structure and we can tailor the loan so it works for everyone involved.
Private Lenders
You need a reliable DSCR takeout lender so your capital comes back on schedule. We underwrite the exit up front and communicate clearly through the process, so the refinance is not a surprise at the end.
Transactional Lenders
You need a partner who understands what your position requires and does not need the creative terms explained from scratch. We work alongside transactional lenders and keep the funding leg clean.
Transaction Coordinators
You need a lender that already speaks Morby Method so the file does not stall on avoidable questions. Send the scenario early and we will identify the lending path and documentation needs. If you need a transaction coordinator, we have that covered too.
Borrowers & Brokers
You need the deal funded, not a lecture. Bring the scenario and we will tell you what is possible, what needs to change, and what the terms look like once our team underwrites it.
Diversified Capital Means More Room to Structure
We are diversified with capital. Levine Capital is backed by multiple institutional capital providers with correspondent and wholesale channels, which means we are not stuck placing every file with one source and one rigid guideline set. When one channel says no, another may say yes with the right structure.
That flexibility shows up in the numbers below. These are not guarantees, and every item here comes with the same honest caveat: it really depends on the scenario.
Credit Into the 500s
Depending on the scenario, we can go into the 500s for credit score on DSCR loans. Credit alone does not end the conversation here. The asset, the exit, and the structure all matter.
Up to 85% on Purchase
We can possibly go up to 85% on the purchase for a DSCR loan. Where a specific file lands depends on the property, the rent, the borrower profile, and how the rest of the stack is built.
Seasoning Handled
Seasoning requirements are one of the most common reasons a creative deal dies elsewhere. We know how to structure around them and we will tell you early what the timeline realistically supports.
Need Something We Are Not Directly Providing?
If you need private lenders, we can help. If you need a transaction coordinator, we have that. If you need earnest money or gap funding as a first position lender, that is in house. We are a one-stop shop that truly understands the Morby Method, which means fewer handoffs, fewer dropped balls, and fewer deals that fall apart because one party did not understand the structure.
Submit It. We Will Underwrite It.
The simplest thing you can do is use the Quick Quote. It takes about five minutes and it gets your scenario in front of a team that already knows what it is looking at.
Open the Quick Quote and enter the property, the numbers, and your exit.
There is a dropdown that mentions the Morby Method. Select it so the file routes to the right desk immediately.
We review the scenario to see whether the loan works, including leverage, seasoning, and how the seller financing sits behind the institutional debt.
You get real terms based on the actual structure, not a generic rate sheet. If something needs to change to make it work, we tell you what and why.
Model the Stack Before You Sign
The Morby Method, also called the Stack Method, layers seller financing underneath a DSCR loan so an investor can acquire a property with far less cash out of pocket. Enter your numbers to see the combined debt service, the DSCR coverage a lender will underwrite to, and how much leverage the structure actually creates.
Your Deal Inputs
Estimates are fine. You can refine the numbers later.
Your Results
Updates as you type.
Deal Read
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Enter your numbers to see the read.
Total Monthly Payment
$0
DSCR Ratio
0.00
Total Leverage
0%
Estimated Cash to Close
$0
Every deal is different. It really depends on the lender and the seller. We can help tailor the loan so it works with all counterparties involved.
This calculator is for educational purposes. Submit your scenario through our Quick Quote for actual terms.
Fund Your Deals
With Minimal Cash Out of Pocket
At Levine Capital and MorbyMethod.ai, we are a one-stop shop for creative finance lending. Backed by institutional capital providers with correspondent and wholesale channels, we tailor the loan to your scenario. Bring us your problem and we will structure the solution.
