Buy • Renovate • Refinance — Without Waiting 90 to 180 Days
One of the biggest frustrations real estate investors face after buying and renovating a property is being told they must wait 90 days, 6 months, or even 180 days before completing a cash-out refinance using a DSCR loan.
Many DSCR lenders impose strict seasoning requirements that slow down capital recycling, delay growth, and keep your cash tied up longer than necessary.
At Levine Capital, we take a different approach.
The Problem With Traditional DSCR Seasoning Requirements
A large portion of the DSCR market requires:
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90-day seasoning after purchase
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6-month (180-day) seasoning after renovations
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Ownership history before allowing new appraised value
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Delayed access to equity—even after value has already been created
For active investors, BRRRR operators, and portfolio builders, this lack of flexibility kills deal velocity.
No-Seasoning DSCR Cash-Out Refinance Options
Levine Capital is diversified across multiple institutional capital sources, which allows us to offer no-seasoning DSCR cash-out refinance options on eligible scenarios.
Instead of forcing your deal into a single lender’s box, we structure the deal around your strategy.
With the right execution, investors can:
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✅ Refinance immediately after renovations
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✅ Use new appraised value without waiting months
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✅ Pull cash out faster
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✅ Recycle capital and scale more efficiently
Programs vary by deal profile, but the key difference is simple: we have options.
Diversified Institutional Capital = Certainty of Funding at the Best Rates
One of the biggest advantages of working with Levine Capital is our access to diversified institutional capital sources.
Rather than relying on one lender with rigid overlays, we work with multiple institutional DSCR providers, which allows us to:
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✅ Create certainty of funding, even as guidelines shift
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✅ Match each deal to the best execution and best rates available
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✅ Avoid last-minute lender pullbacks
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✅ Navigate seasoning rules, valuation challenges, and overlays
In changing rate environments, certainty matters just as much as pricing. Our diversified capital platform is designed to deliver both.
Buy • Renovate • Cash-Out — Faster
With the right structure, many investors follow this exact path:
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Purchase using cash, bridge, or fix-and-flip financing
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Renovate and force appreciation
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Refinance immediately into a DSCR loan
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Pull cash out and redeploy into the next deal
This strategy is ideal for:
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BRRRR investors
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Rental portfolio builders
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High-velocity operators
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Investors focused on capital efficiency
A True One-Stop Shop for Real Estate Investors
Levine Capital is built as a one-stop shop, offering:
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Fix & Flip loans
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Bridge financing
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DSCR purchase loans
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DSCR cash-out refinances (including no-seasoning options)
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Second-lien DSCR programs
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HELOC options (select scenarios)
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Foreign national lending programs
Because we are capital-agnostic, we design solutions—rather than forcing deals into limitations.
Trusted Authority in the Investor Community
Levine Capital is deeply embedded in the investor ecosystem:
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🏆 Member of Owners Club
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🐊 Preferred lender within Subto
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🐊 Preferred lender for the Gator network
These communities value speed, creativity, and execution—and our lending platform is built specifically to support that mindset.
Why Investors Work With Levine Capital
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✔ Diversified institutional capital
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✔ No-seasoning DSCR options (program dependent)
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✔ Faster access to equity
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✔ Creative structuring
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✔ Certainty of funding
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✔ Trusted by elite investor communities
If you’re tired of being told to wait 90–180 days after doing the work, it’s time to work with a capital partner that understands how investors actually scale.
