We Buy & Fund Morby Method & Stack Method Deals
Got a seller-financed deal? Here is our Morby Method buy box: two ways we can help. We fund it so you keep the deal, or we buy it from you. Send the deal once and we’ll tell you which path fits.
Submit a Deal to Sell
Get Funding: Quick Quote
Prefer to talk? Call (772) 732-0757, Mon–Fri, 9 AM–6 PM ET
Two Ways to Work With Us
1. We Fund Your Deal
You keep the property. We place the DSCR or bridge loan that sits on top of the seller financing, and we help with the transactional piece and coordination.
- DSCR, Fix & Flip, Bridge and Ground Up programs
- Credit into the 500s, depending on the scenario
- Possibly up to 85% on purchase (DSCR), depending on the scenario
- $75,000 loan minimum, with exceptions possible
2. We Buy Your Deal
Don’t want to hold it? Levine Capital buys Morby Method, Stack Method, Subject-To and wrap deals as an Owners Club member, either under contract (assignment) or with seller terms in place.
- 1–4 family, small multifamily, STR/MTR
- Any condition, but it must cash flow or have a clear path to cash flow
- Treasure Coast, South Florida and NJ priority; nationwide for the right deal
- Every submission is reviewed within 48 hours
Morby vs. Stack vs. Wrap: Plain English
| Structure | How it works | Where we fit |
|---|---|---|
| Morby Method | The seller carries part of the price, and the seller’s proceeds from the new loan cover the down payment. A transactional lender often bridges the gap at closing. | We fund the senior loan, or we buy the deal. |
| Stack Method | The same idea, viewed as a “stack”: a senior DSCR loan on top and seller financing underneath, so you buy with little cash out of pocket. | We underwrite the whole stack, including how the seller carry affects coverage. |
| Wraps / Subject-To | The existing loan stays in place and a new note “wraps” it, or you take title subject to it. | Mainly a buy path. We acquire these. Funding depends on the program. |
Want to model the numbers first? Use the stack calculator on our Morby Method page.
Our Morby Method Buy Box
| Criteria | What we’re looking for |
|---|---|
| Property types | Single family, duplex through fourplex, small multifamily (5+), short- and mid-term rentals. Commercial or mixed-use? Ask us. |
| Structures | Morby Method, Stack Method, Subject-To, seller finance, hybrids, wraps |
| Price | Any price with creative terms. Loans start at $75K, with exceptions possible. |
| Condition | Any. Distressed and value-add are welcome. |
| Cash flow | Must cash flow or have a clear path to it. DSCR is program-dependent. |
| Leverage | Competitive leverage, possibly up to 85% on purchase for DSCR, depending on the scenario |
| Seller terms | Terms already negotiated, or we can help. |
| Geography | Nationwide. Priority markets: Treasure Coast FL, South Florida and NJ. New York: all programs open, including EMD. |
| Deal killers | No path to cash flow, unresolved title or environmental issues, a seller unwilling to put terms in writing |
How It Works
1. Send the deal
Send the address, price, seller terms, rents and your goal (keep it or sell it).
2. We run the numbers
We review the stack, coverage and seasoning, plus you as a borrower if you’re keeping it.
3. We pick the path
We fund it through our programs, or we make an offer to buy it.
4. Close with the right team
Vetted transaction coordinators, EMD and help negotiating with the seller when you need it.
Need Gap Funding Too?
We put the first-position loan in place first. Then we can help with the remaining gap through our partner GapFunded. EMD funding is also available so you can lock up the contract without draining your liquidity.
FAQ
Do you buy Morby Method deals or just lend on them?
Both. We fund the senior loan when you want to keep the property, and we buy the deal when you’d rather sell or assign it.
What’s the difference between the Morby Method and the Stack Method?
They’re closely related. Both put seller financing underneath a senior loan so the buyer needs little cash. “Stack” describes the layered capital stack.
What credit score do I need to get funded?
It depends on the scenario. On DSCR loans, we can sometimes go into the 500s.
How much leverage can I get?
Possibly up to 85% on purchase for a DSCR loan, depending on the property, rent, borrower and structure.
Where do you buy and lend?
Nationwide. Our priority markets are the Treasure Coast, South Florida and New Jersey. All programs are open in New York, including EMD.
How fast will I hear back?
We review every deal submission within 48 hours, Monday to Friday.
Can you help with seller negotiation or paperwork?
Yes. We can connect you with vetted transaction coordinators and people who can help explain terms to the seller.
Got a Morby or Stack Deal? Send It Over.
Submit a Deal to Sell
Get Funding: Quick Quote
(772) 732-0757 • loans@levinecapital.com
648 SW Port St Lucie Blvd, Port St. Lucie, FL 34953 • Mon–Fri, 9 AM–6 PM ET
All financing is subject to underwriting, eligibility, property review and final documentation. There is no guarantee of approval, rate, terms or timing. Purchase offers are made at Levine Capital’s discretion after due diligence. This page is not legal, tax or investment advice.