- LOAN PORTAL
At Levine Capital, we take pride in offering creative loan solutions for real estate investors—but we also know that one key component to unlocking leverage and better terms is verifiable experience. Whether you’re applying as a borrower or as a general contractor (GC), having the right documentation can make all the difference.
Let’s break down exactly what lenders look for when verifying experience, and how to best prepare.
To approve you for higher leverage or better pricing, especially on Fix and Flip or Ground-Up Construction loans, lenders want to see a proven track record. Here’s what you should have on hand:
Track Record Spreadsheet
Include all columns: address, date of purchase, date of sale, rehab amount, ARV, sale price, and your role (borrower on title).
Focus on similar size projects, similar rehab budgets, and nearby zip codes to the subject property.
Operating Agreements & Certificate of Formation
These are required for any entity listed as a borrower on title.
They confirm ownership and control.
Exit HUDs (Settlement Statements)
These prove that the deal was fully closed and show net proceeds.
For rental properties, include purchase HUDs if the deal was a buy and hold.
Before and After Photos
These support the scope and quality of the rehab.
Try to match the photo sets to each property listed in your track record.
💡 Note: If your Track Record Spreadsheet and Entity Docs are thorough and consistent, many of the other documents may not be requested. But it’s best to have them ready.
Clearly Labeled GC Track Record
Same format as borrower experience, but indicate your role as GC, not borrower.
Operating Agreement & Certificate of Formation
Required for the GC entity you’re operating under.
Open Permits
Show permits that were pulled under your GC entity or license.
Invoices / Scope of Work
These should outline line-item details of the labor and materials provided for each project.
Before and After Photos
Again, visual proof is essential. Label them clearly to tie them to each project.
🛑 Important: GC experience is not always counted the same as borrower experience. Approval is on an exception basis, and other deal factors—like credit, liquidity, and overall loan strength—will also be considered.
Being well-prepared with documentation can drastically increase your chances of approval and help secure better loan terms. At Levine Capital, we guide you through every step to ensure your experience is packaged correctly for our capital partners.
Use our calculators below, then submit your deal directly through the Quick Quote tabs:
🔗 Fix and Flip Calculator: https://levinecapital.com/fix-and-flipcalculator/
🔗 DSCR Calculator: https://levinecapital.com/dscr-calculator/
🔗 Submit Your Quick Quote: https://levinecapital.com/quick-quote
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