- LOAN PORTAL
Gap funding bridges the shortfall between your primary loan and the total capital needed to close a real estate deal—typically covering down payments, renovation expenses, or other upfront costs.
At Levine Capital, we simplify this process by offering both the primary (first-lien) Fix & Flip loan and the secondary gap funding in-house. Our preferred structure is to hold the first lien while providing the gap funding in second position—allowing us, in many cases, to offer up to 100% financing. If the combined After-Repair Loan-to-Value (ARLTV) ratio exceeds 70%, we may require additional collateral to strengthen the underwriting.
| Feature | Details |
|---|---|
| Maximum Term | 6 months, extendable to 9 months on a case‑by‑case basis |
| Maximum Renovation Budget | $150,000 |
| Maximum Amount | $50,000 (with potential for increase based on deal terms) |
| Starting ROI | 15% |
| Minimum Credit Score | 680 (lower scores may be considered, but with adjustments) |
| Experience Requirement | At least 3 completed deals with similar rehab budgets – limited/no experience may result in adjusted terms |
| Title Company | |
| Cross Collateralization | Utilized to strengthen underwriting decisions |
Fast, Seamless Closings
By managing both the first-lien loan and the gap portion, we eliminate delays caused by multiple lenders.
Tailored Financing Structures
We specialize in creative financing methods (like the Morby Method), giving investors more flexibility and enabling more transactions.
No Initial Cash Outlay
Our funding model can help you acquire properties without dipping into your own reserves.
Proven Track Record
Our success stories highlight investors who closed deals efficiently and profitably by utilizing our gap funding solution.
Experienced Investors: You’ve completed at least three comparable rehab projects and meet credit thresholds.
Those with Limited Capital: Need upfront funds without draining personal finances.
Deals with Tight Lending Gaps: Perfect for properties that require bridge funding between your primary mortgage and total project cost.
Newer investors aren’t excluded—we can work with you. Just be aware these terms may carry slightly higher rates or tighter covenants to offset risk.
Assess Your Project: Ensure it aligns with our limits—e.g., under $150K renovation and total gap ≤ $50K.
Submit Application: Include credit history, proof of experience, and project details.
Title & Collateral Setup: We’ll facilitate title services and outline any cross-collateralization needed.
Close & Fund: Typically a 6-month term, with possible 3-month extension.
Rehab, Exit, Repeat: After completing rehab and selling or refinancing, you collect profits and reinvest—with a cleaner, faster funding cycle.
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.
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