Introduction
The Morby Method is more than just a creative finance strategy—it’s a game-changer for real estate investors looking to acquire properties with minimal out-of-pocket expenses while maximizing cash flow and equity. Developed to solve the challenges of high down payments and rigid lending requirements, this method combines traditional financing with seller financing in a way that benefits both the buyer and the seller.
At Levine Capital, we’ve positioned ourselves as experts in financing Morby Method deals, helping investors structure and close transactions that most lenders won’t touch.
How Does the Morby Method Work?
At its core, the Morby Method is about combining two financing tools:
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Bank Financing: Typically a DSCR (Debt Service Coverage Ratio) loan or another type of traditional loan for a portion of the purchase price.
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Seller Financing: The seller carries back the remaining portion of the purchase price in the form of a second lien or note.
This structure allows investors to:
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Reduce the amount of cash needed to close.
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Avoid massive down payments.
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Leverage the seller’s flexibility to make deals more affordable.
👉 At Levine Capital, we specialize in DSCR loans structured for Morby Method deals, working with lenders who understand second liens and creative financing strategies.
Why Use the Morby Method?
The Morby Method works best in scenarios where:
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Sellers want a higher purchase price but are flexible on terms.
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You want to preserve cash for renovations, reserves, or future investments.
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Traditional financing doesn’t cover the full purchase price.
It’s especially powerful when acquiring cash-flowing assets like multifamily, Airbnbs, or commercial properties. With our expertise, Levine Capital has become the go-to partner for Morby Method investors nationwide.
