In the SubTo community, momentum is everything—and one of our clients just showed exactly how to keep it going.
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Step 1: Took out a Fix and Flip loan with Levine Capital.
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Step 2: Completed the project.
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Step 3: Immediately refinanced into our DSCR loan—no seasoning required.
No delays. No roadblocks. Just a smooth, profitable transition.
Why This Works So Well
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No Seasoning Requirement
Most lenders make you wait months before refinancing. With Levine Capital, if you start with our Fix and Flip loan, you can refinance into a DSCR loan immediately after completion—keeping your capital in motion. -
Tailored DSCR Loans with a Consultative Approach
We don’t believe in one-size-fits-all loans. We take the time to understand your strategy and customize the DSCR loan to your needs—whether that’s interest-only payments for higher cash flow, a fixed rate for long-term stability, or a specific term to match your exit plan. -
SubTo Member Discounts
As part of the SubTo family, this client received discounted rates, reduced fees, and an appraisal rebate at closing—stacking even more profit onto an already great deal. -
Cost Savings by Keeping Both Loans In-House
Because we handled both the Fix and Flip and the DSCR loan, our client saved on fees and avoided the hassle (and extra cost) of switching lenders mid-deal. -
Creative Finance Friendly
We specialize in strategies like the Morby Method, seller carry, gap funding, and transactional funding. This means we can structure deals that other lenders won’t touch—making the refinance process faster and smoother.
Real-World Example
Purchase & Rehab: $200,000 purchase + $50,000 rehab = $250,000 total
After Repair Value (ARV): $350,000
Structure: Seller carries 15%, Levine Capital funds 75% with a Fix and Flip loan, Gap Funding covers the remainder.
Refinance: 75% LTV = $262,500 immediately after completion—no seasoning required.
Result: Seller gets their money, buyer invests minimal cash, refinance happens fast, and the investor is ready for the next deal.
The Blueprint for Scaling
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Start with a Fix and Flip loan from Levine Capital.
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Complete your project and immediately refinance into a custom DSCR loan.
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Save with SubTo member benefits and appraisal rebates.
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Keep your capital moving into the next deal—over and over again.
📩 Ready to refinance without the wait?
Submit your loan scenario today: QUICK QUOTE
