2026 is not a reset year. It’s an acceleration year. While other lenders are retreating, Levine Capital is pushing forward, solidifying its position as the Pace Morby preferred lender for the Owners Club, SubTo, and Gator communities.
Founder Adam Levine has renewed his commitment to Pace Morby’s Owners Club, but this year is different. We are embedding AI and automation deep into our operating system to provide an unfair advantage to the investors we serve.
📊 2026 Market Outlook: The Creative Finance Imperative
The real estate landscape of 2026 is defined by a critical inflection point. With an estimated $936 billion in commercial real estate debt maturing this year, traditional lenders are tightening their belts, creating a significant capital gap. This isn’t a downturn; it’s a restructuring. For savvy investors, this environment presents a massive opportunity, but only for those who can get creative.
While the fix-and-flip market shows renewed optimism, ATTOM Data reports that ROI has dipped to its lowest since 2008. This squeeze on margins means that how a deal is structured is now more important than ever.
This is where creative finance, particularly the strategies championed by Pace Morby and the Owners Club community, becomes essential. As conventional financing becomes more disciplined, the ability to structure deals with seller financing, subject-to, and layered capital stacks is no longer a niche skill—it is a fundamental requirement for growth. The lenders who can underwrite and fund these complex structures will be the kingmakers of 2026.
💡 Our New Operating System: The AI-Powered Lending Workflow
To meet the demands of this new market, Levine Capital is no longer operating as a traditional brokerage. We have built an intelligent capital platform.
Our AI-driven process ensures speed, efficiency, and certainty, from pre-screening to closing. This allows our expert team to focus on what they do best: structuring the complex, creative deals that other lenders can’t.
🏆 Case Study: The Morby Method in Action
The Challenge: A SubTo investor found a distressed 4-plex in Tampa, Florida. The seller needed to exit quickly, but the property wouldn’t qualify for traditional financing due to deferred maintenance. The investor had limited capital for a large down payment.
The Structure (Morby Method):
- DSCR First Lien: Levine Capital provided a DSCR loan for 70% of the as-is value.
- Seller Carry-Back Second: The seller carried a second-position note for 20% of the purchase price.
- Gap Funding: The investor only needed to bring 10% to the table, covered by a small gap funding loan.
The Result: The investor acquired a cash-flowing asset with minimal out-of-pocket expense. As the go-to Morby Method DSCR lender, we understood the structure and closed the deal in under 21 days. This is the power of a lender that speaks creative finance.
🚀 Announcing: South Florida Gator EMD Program for Brokers
As a newly appointed Regional Leader for South Florida Gator, Adam Levine is officially launching an institutional EMD (Earnest Money Deposit) program for brokers.
“We are actively signing up brokers in the South Florida region to provide their clients with fast, reliable EMD funding. This program is designed to help brokers close more deals by giving their buyers the liquidity they need to compete.”
This initiative is a direct extension of our commitment to the Gator community, providing a critical tool for deal-makers in a competitive market.
“Being part of Pace Morby’s Owners Club isn’t just about networking; it’s about having a seat at the table where the future of creative finance is being built. We’re bringing those strategies and that access directly to our clients.” – Adam Levine, Founder of Levine Capital.
—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.
🔹 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.
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