In Fix & Flip investing, speed drives profits. Waiting on a traditional appraisal can cost you the deal. As a direct hard money lender, Levine Capital gives investors and brokers a faster path to funding with RealVal—our internal valuation solution (powered by Roc Capital) that helps you skip the appraisal on eligible Fix & Flip loans and secure fast loan approval.
By replacing the slow third-party appraisal with an internal valuation, RealVal shortens the timeline from submission to approval from weeks to days. That speed gives you a critical edge in competitive markets, lowers friction and costs, and helps you reach the closing table sooner with a solid, data-driven number you can underwrite and budget against.
What is RealVal?
RealVal is an internal valuation process that replaces the traditional, often time-consuming appraisal for qualifying Fix & Flip loans. Instead of waiting weeks for a third-party appraiser to visit the property and generate a report, borrowers simply capture property photos using a mobile app. Roc Capital's expert internal valuation team then reviews these photos alongside market data and your scope of work to provide an accurate, rapid valuation so you can keep your project moving.
This streamlined approach means your internal valuation can be completed within days, enabling fast approvals to move forward quickly and allowing you to reach the closing table sooner.
Who is Eligible for RealVal?
RealVal is designed to be accessible to a wide range of investors, from first-time flippers to seasoned professionals. The program is available for:
- Loan Types: Fix & Flip Purchases and Delayed Purchases
- Loan Amounts: Ranging from $100,000 to $1.5 million
- Borrower Profile: Minimum FICO score of 680
- Experience Level: Open to investors of any experience level
Ideal for brokers and investors who need reliable internal valuation to skip the appraisal on time-sensitive fix and flip loans. All loans are subject to underwriting and collateral review; availability may vary by market.
How the RealVal Process Works
Getting started with RealVal is straightforward and integrated directly into our loan submission process. Here is how it works:
- Submit Your Loan: Begin by entering the borrower and property information into the Levine Capital portal.
- Opt In: If your loan meets the eligibility criteria, the RealVal Internal Valuation option will be displayed. Simply select this option to proceed.
- Provide Requirements: Pay the $500 valuation fee, snap the required property photos using the mobile app, and upload your detailed scope of work. Special Offer: The $500 fee is currently credited back at closing for every borrower's first eligible loan using RealVal!
- Faster Approvals: The internal valuation is typically completed within days, significantly accelerating the approval process.
- Close Sooner: With the valuation completed quickly, you can reach the finish line faster than ever and start your renovation project without unnecessary delays.
Because RealVal replaces the traditional appraisal with an internal valuation, approvals can move in days, not weeks, helping you lock up deals and start renovations faster.
Why RealVal Beats Traditional Appraisals
Speed that wins competitive fix & flip deals
Internal valuation is typically completed within days, so you can write stronger offers, remove financing uncertainty faster, and avoid appraisal scheduling delays.
Lower costs and fewer delays
Pay a simple $500 valuation fee (credited back at closing on a borrower's first eligible RealVal loan) and skip the third-party appraisal, saving time and reducing fall-through risk.
Data-driven confidence
RealVal leverages property photos, market data, and expert review to deliver a fast, consistent number lenders and investors can use to evaluate scope, budget, and exit strategy.
Smoother borrower experience
Capture photos with a mobile app, upload your scope of work, and receive a rapid decision from a hard money lender that understands investor timelines.
The Levine Capital Advantage
By partnering with Levine Capital and utilizing solutions like RealVal, brokers and borrowers gain access to industry-leading speed and flexibility. As a seasoned hard money lender, we focus on consistent guidelines, responsive underwriting, and fast loan approval so you can scale your real estate investment business. Skipping the traditional appraisal not only saves time but also reduces the uncertainty often associated with the valuation process.
Are you ready to experience the speed and efficiency of RealVal for your next Fix & Flip project?
Submit your loan using our Quick Quote today and see if you qualify!
