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A Creative Financing Strategy for Real Estate Investors

Seller-Finance

The Morby Method is an innovative real estate investment strategy that leverages a combination of seller financing and private lending to acquire properties with little to no money down. This method, named after real estate expert Pace Morby, is particularly useful for investors looking to scale their portfolios without relying on traditional bank loans.

How the Morby Method Works

  1. Negotiate Seller

    Financing. The investor works with the property seller to arrange a financing agreement, allowing the investor to make payments directly to the seller instead of securing a traditional mortgage. This reduces the need for hefty down payments and eliminates the strict approval requirements of conventional loans.

  2. Secure Private or DSCR Loan Financing

    Since seller financing often requires a substantial down payment, investors can cover this cost using a Debt Service Coverage Ratio (DSCR) loan, which primarily evaluates the property’s rental income but still requires a credit check for approval. Private lending options may also be used to fund the deal.

  3. Close the Deal and Generate Cash Flow

    With financing in place, investors finalize the purchase and immediately start earning rental income while repaying both the seller and lender. This setup allows investors to scale their portfolios efficiently.
Seller Finance

Benefits of the Morby Method

✔ Low or No Money Down – By leveraging seller financing and private funding, investors can acquire properties without significant upfront costs.

✔ Easier Qualification – DSCR loans and private lending focus more on the deal itself rather than personal financial history.

✔ Flexible Terms – Sellers may offer better interest rates and repayment schedules than traditional lenders.

✔ Scalability – Investors can acquire multiple properties by quickly building a portfolio using this strategy.

Who Can Benefit from the Morby Method?

This strategy is ideal for:

  • Real estate investors looking to scale without large capital reserves.

  • Entrepreneurs seeking passive income streams.

  • Homeowners wanting to sell creatively while still earning from their properties.

Fund with Levine Capital Utilizing the Morby Method

Levine Capital specializes in creative financing and can help structure seller-financed deals using the Morby Method. Their team assists with:

  • Negotiating terms with sellers.

  • Securing private capital and DSCR loans.

  • Structuring transactions to align financing components for a smooth closing.

Final Thoughts

The Morby Method is a game-changing strategy for investors looking to maximize their buying power without traditional bank financing. By combining seller financing with alternative funding sources, investors can unlock incredible opportunities in today’s market.

Boost Your Real Estate Success with Our Trusted Partners!

✔ Need Business Credit? Get expert guidance from Business Credit Workshop to build and scale your investment business.

✔ Interested in Creative Financing? Learn how to leverage SUBTO strategies with SUBTO to structure creative real estate deals.

Need funding for your next investment property? Get pre-qualified today and take advantage of our DSCR loan programs! 🚀

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