No Seasoning DSCR Cash-Out Refinance — From PaceGPT

No Seasoning DSCR Cash-Out Refinance

Fund. Renovate. Refi. Repeat — Without the Wait.

This blog, refined with the help of PaceGPT, is for every real estate investor tired of waiting months to access their equity after a project is complete. At Levine Capital, we’re breaking the rules of traditional lending with our No Seasoning DSCR Cash-Out Refinance program.

If you’ve borrowed from us for your Fix & Flip or Fix-to-Rent project, you can refinance with us immediately after the work is done — no 3–12 month ownership seasoning required.

Why No Seasoning Matters

Most lenders lock you into a waiting period before they’ll let you refinance at your property’s new value. That’s lost time — and for investors, lost opportunity.

At Levine Capital, if we funded your short-term project, you can roll directly into a DSCR loan as soon as your renovation is complete, letting you:

  • Access your equity immediately

  • Scale your portfolio faster

  • Lock in stable, long-term rental financing

How It Works

  1. Borrow from Levine Capital for your Fix & Flip or Fix-to-Rent.

  2. Complete your rehab and get the property rented or ready to rent.

  3. Refinance into our DSCR program immediately — no seasoning required.

  4. Pull out cash to fund your next deal.

Example Deal

  • Purchase & Rehab: $200,000 purchase + $50,000 rehab = $250,000 total.

  • After Repair Value (ARV): $350,000.

  • Refinance: Immediately after completion, refinance at 75% LTV = $262,500.

  • Result: Pay off your short-term loan, replenish your capital, and keep growing.

No Seasoning

💼 Why Choose Levine Capital?

  • Investor-First Approach – We structure deals to help you scale.

  • Creative Financing Expertise – Including Morby Method and hybrid deal structures.

  • Speed & Efficiency – Close in days, not months.

  • Nationwide Lending – We fund in most states.

⚡ Ready to Get Started?

We’ve built our platform with you in mind. If you’re a creative investor who wants more out of your lending partner—more support, more resources, and more flexibility—you’re in the right place.

Submit your deal through our Quick Quote form, mention your affiliation with SubTo, Gator, or Owners Club, and let’s get your next deal funded—fast.

"Creative financing isn’t just about deals—it’s about speed, flexibility, and building momentum. The faster you can access your equity, the faster you can scale your portfolio and create long-term wealth."
Pace Morby
—Pace GPT

Boost Your Real Estate Success with Our Trusted Partners!

We believe in providing real estate investors with the best tools and resources to scale their businesses. That’s why we’ve partnered with industry-leading platforms to help you access funding, find deals, and close transactions more efficiently.

🔹 Build Business Credit with Expert Guidance
Looking to establish or expand your business credit? Business Credit Workshop offers expert strategies to help real estate investors secure funding and scale with confidence.

🔹 Master Creative Financing with SUBTO
Unlock the power of SUBTO strategies and structure real estate deals creatively. Learn how to acquire properties with little to no money down and grow your portfolio faster.

🔹 Earn Profitable Cash Chunks with Pace Morby
Investor, author, and host of A&E’s hit show Triple Digit Flip, Pace Morby reveals the missing link that investors need right now to increase cash flow and close more deals.

🔹 Deal Sauce
Get a 14-day free trial of Deal Sauce and stop wasting hours—get the winning plan instantly.

For a comprehensive list of our affiliate partners and to explore more opportunities, please visit our Affiliate Partners Page.

Subscribe to our YouTube channel to discover more about us.

✦ New Program — Now Available

Ground Up Construction
For Every Experience Level

Levine Capital now offers financing for first-time builders. Whether you are brand new to construction or a seasoned developer, we have a program built for you.

🏗

New: Beginner Builder Program — No Prior Ground-Up Experience Required

We work with experienced General Contractors to make new construction accessible to first-time investors. If you have a solid GC and a viable project, we want to fund it.

🏠
Ground Standard
For newer real estate investors
85%
of Total Project Costs
  • Experience Required1–2 prior ground-up builds
  • Max Loan-to-ARVUp to 70%
  • Term Length12 to 18 months
  • RecourseFull recourse
Get a Free Quote
Most Popular
🏆
Experienced Developer
For seasoned construction professionals
90%
of Total Project Costs
  • Experience Required3+ ground-up builds
  • Max Loan-to-ARVUp to 70%
  • Term Length12 to 24 months
  • RecourseFull recourse
Get a Free Quote

Beginner Builder — Quick Requirements Checklist

💳
660+
Min FICO Score
📐
80%
Max LTC
🏡
65%
Max Loan-to-ARV
📅
18 Mo
Max Term
💰
$50K+
Min Loan Amount
🔨
GC
Licensed GC Required

How to Get Funded in 5 Steps

1
Submit Quick Quote
Fill out our 60-second form with your project details
2
Get Pre-Screened
Our team reviews your scenario and sends a preliminary quote
3
Submit Documents
Upload plans, permits, GC contract, and borrower docs
4
Underwriting
Fast review with draw schedule and term sheet issued
5
Close and Build
Funds released in draws as construction milestones are hit

Ready to build? Get a free quote in under 60 seconds.

Get My Free Construction Quote →

* Rates starting at 8.99%. Actual rates vary based on borrower profile and project details. Non-owner-occupied only.