- LOAN PORTAL
You fund the short-term piece. Somebody has to fund the exit. Levine Capital is the DSCR and fix and flip lender that transactional lenders on Morby Method and Stack Method deals rely on to get paid back on schedule, and we can be the transactional lender ourselves on a deal-by-deal basis.
Transactional lending is a short-duration business with a single point of failure. You are not underwriting a thirty-year hold, you are underwriting whether the permanent financing actually shows up. When the takeout lender does not understand how the deal was structured, your capital sits out far longer than the terms you priced.
That is where most creative finance transactions break. A double close gets funded, the earnest money is committed, and then the DSCR lender on the back end discovers a subordinate seller carry they were not expecting. Underwriting stalls. Seasoning questions surface. Your short-term note quietly becomes a long-term problem.
Levine Capital underwrites the structure on purpose, not by accident. Seller financing behind institutional debt, wraps, subject-to, and double closes are the transactions we specialize in, which is why the exit lands on the timeline everyone priced.
Send the scenario through Quick Quote. Our team reviews the numbers and structure before anyone gets on a call, so you get a real answer on the takeout rather than a maybe.
Depending on the deal and where you sit in the capital stack, the relationship runs in one of two directions. Both are active, and both are evaluated on the specific scenario.
You fund the earnest money deposit, the gap, or the transactional piece for the double close. Levine Capital funds the permanent financing behind you as the DSCR lender or fix and flip lender, so your position is retired predictably.
Because we are backed by multiple institutional capital providers with correspondent and wholesale channels, unusual files have somewhere to go instead of dying against a single rigid guideline set.
On a deal-by-deal basis, Levine Capital can provide the short-term piece itself, including earnest money deposit funding and gap funding. Gap funding is available only when Levine Capital is the first position lender, and that condition is not flexible.
When we hold both pieces, the coordination problem disappears entirely because one underwriting team is looking at the whole structure from the start.
| Common failure point | How Levine Capital handles it |
|---|---|
| Subordinate seller financing discovered late | We expect it. Seller carry behind institutional debt is the structure we specialize in, and it is addressed at intake rather than in final underwriting. |
| Seasoning requirements | Structured around deliberately, with the realistic timeline communicated early so your exit date is not a surprise. |
| Borrower credit falls short | Depending on the scenario, credit scores into the 500s can work on DSCR loans. Credit alone does not end the conversation. |
| Leverage gap on the purchase | Possibly up to 85% on the purchase for a DSCR loan, depending on the property, the rent, and the borrower profile. |
| Nobody coordinating the parties | Access to top-tier transaction coordinators who understand these files, plus people who can help negotiate the deal when the seller conversation needs support. |
| Loan size too small to place | $75,000 minimum loan amount, with exceptions possible depending on the scenario. |
Every line above carries the same honest qualifier: it depends on the scenario. That is the difference between a lender reading from a rate sheet and a lender underwriting an actual deal.
Adam Levine is a member of Pace Morby’s Owners Club, along with the SubTo and Gator communities. Levine Capital is an expert Morby Method lender and Stack Method lender, and works with every counterparty in the transaction rather than only the borrower.
A dependable takeout so your short-term capital recycles on schedule instead of sitting in a stalled file.
A reliable DSCR exit behind your position, underwritten by a team that already understands the structure.
A lender fluent in the Morby Method who will not stall the file asking what a seller carry is.
Fix and flip, DSCR rental, ground-up construction, and bridge financing from one desk across the deal lifecycle.
Multiple capital channels behind a single submission, so the scenario gets placed where the guidelines actually fit.
End-buyer financing that closes, plus earnest money deposit funding evaluated deal by deal.
Tell us the property, the structure, and where you sit in the stack. Deals move fast, so submit your scenario today.
A transactional lender provides very short-term capital used to fund one side of a double close, or to cover an earnest money deposit or a gap in the capital stack. The position is typically retired within days or weeks by permanent financing, which is why the reliability of the takeout lender matters more than almost anything else in the deal.
Yes. Levine Capital regularly serves as the permanent takeout lender behind transactional lenders on Morby Method and Stack Method deals, funding the DSCR or fix and flip loan that retires the short-term position. Levine Capital can also act as the transactional lender itself on a deal-by-deal basis.
Earnest money deposit funding is available deal by deal, evaluated on the specific scenario. Gap funding is available only when Levine Capital is the first position lender, and that requirement applies without exception.
Seller financing sitting behind institutional debt is a structure Levine Capital specializes in rather than an exception it tolerates. It is addressed at intake so it does not surface as a problem late in underwriting.
Depending on the scenario, credit scores into the 500s can work, and leverage can possibly reach 85% on the purchase. The minimum loan amount is $75,000, with exceptions possible. Where a specific file lands depends on the property, the rent, the borrower profile, and the capital channel it is placed in.
Submit the scenario through the Quick Quote. If the deal involves creative finance, select the Morby Method option in the dropdown so the file routes to the right desk. The team underwrites the scenario and comes back with real terms.
Tell us about your business and how you work. We will follow up to talk through how the partnership fits your deal flow.
Whether you need a dependable DSCR takeout behind your position or a transactional lender for the deal in front of you, the fastest path is the same. Submit the scenario and get an answer grounded in how the deal is actually structured.
Every deal is different. Terms depend on the scenario, the property, the borrower profile, and the capital channel the file is placed in. Earnest money deposit funding is available deal by deal. Gap funding requires Levine Capital to be in first position. Nothing on this page is a commitment to lend.
