Fund Your Real Estate Dreams with Custom Loan Solutions
Whether you’re flipping houses, building rentals, or tapping equity, Divine Equity provides fast, flexible financing for every stage of your investing journey.
✅ Close in Days, Not Months – Private money & portfolio lending
✅ Loans from $50K to $5M+ – Scale your investments
✅ Bad Credit? – Asset-based approvals
Fund Your Real Estate Dreams with Custom Loan Solutions
Whether you’re flipping houses, building rentals, or tapping equity, Divine Equity provides fast, flexible financing for every stage of your investing journey.
✅ Close in Days, Not Months – Private money & portfolio lending
✅ Loans from $50K to $5M+ – Scale your investments
✅ Bad Credit? – Asset-based approvals
Which Loan is Right for You?
| Loan Type | Best For | Loan Terms | Max LTV |
|---|---|---|---|
| Fix & Flip Loans | Rehabbing & reselling homes | 6–18 months | 90% LTC |
| Rental Loans | Buy & hold investors | 30 years | 80% LTV |
| HELOC | Access equity for projects | 10-year draw | 85% LTV |
| Cash-Out Refinance | Lump-sum cash from equity | 15–30 years | 80% LTV |
| Construction Loans | Ground-up builds | 12–24 months | 90% LTC |
| Private Lending | Non-traditional deals | 6–24 months | 70% LTV |
Which Loan is Right for You?
| Loan Type | Best For | Loan Terms | Max LTV |
|---|---|---|---|
| Fix & Flip Loans | Rehabbing & reselling homes | 6-18 months | 90% LTC |
| Rental Loans | Buy & hold investors | 30 years | 80% LTV |
| HELOC | Access equity for projects | 10-year draw | 85% LTV |
| Cash-Out Refinance | Lump-sum cash from equity | 15-30 years | 80% LTV |
| Construction Loans | Ground-up builds | 12-24 months | 90% LTC |
| Private Lending | Non-traditional deals | 6-24 months | 70% LTV |
Short-Term Financing to Buy, Renovate & Sell
Funds in 5–7 Days – Faster than hard money lenders
90% of Purchase + Rehab Costs – Maximize leverage
No Income Verification – Approval based on ARV
New To Fix & Flip Loans?
If you’re new to house flipping or scaling your rehab business, fix & flip loans provide the fast, short-term financing you need to act quickly on distressed properties. Unlike traditional mortgages, our loans focus on the After Repair Value (ARV) of the property, not your personal income, making them ideal for investors with irregular cash flow or those just starting out.
Example Scenario:
You buy a lot in Nashville for $100,000 and plan to build a $400,000 spec home. With a 90% loan-to-cost (LTC) construction loan, Divine Equity funds $450,000 ($100k land + $400k build). After completing the build in 12 months, you either sell the home or refinance into a 30-year rental loan.
Short-Term Financing to Buy, Renovate & Sell
Funds in 5–7 Days – Faster than hard money lenders
90% of Purchase + Rehab Costs – Maximize leverage
No Income Verification – Approval based on ARV
New To Fix & Flip Loans?
If you’re new to house flipping or scaling your rehab business, fix & flip loans provide the fast, short-term financing you need to act quickly on distressed properties. Unlike traditional mortgages, our loans focus on the After Repair Value (ARV) of the property, not your personal income, making them ideal for investors with irregular cash flow or those just starting out.
Example Scenario:
You buy a lot in Nashville for $100,000 and plan to build a $400,000 spec home. With a 90% loan-to-cost (LTC) construction loan, Divine Equity funds $450,000 ($100k land + $400k build). After completing the build in 12 months, you either sell the home or refinance into a 30-year rental loan.
30-Year Financing for Cash-Flow Properties
Rates from 6.5% Fixed or adjustable
DSCR Loans – Qualify based on rental income (no tax returns)
Portfolio Loans – Refinance 5+ properties into one loan
DSCR Mortgage Calculator
Loan Details
New To Rental Loans?
Long-term rental loans, including DSCR (Debt Service Coverage Ratio) loans, allow you to qualify based on your property’s rental income rather than personal tax returns. This is a game-changer for self-employed investors or those building a portfolio.
Example Scenario:
You find a duplex in Dallas, TX, renting for $3,000/month. With a $250,000 purchase price and 25% down ($62,500), your mortgage payment is $1,400/month (including taxes/insurance). The 1.5 DSCR ($3,000 rent ÷ $1,400 payment) qualifies you easily no need to show W-2s or tax returns.
30-Year Financing for Cash-Flow Properties
Rates from 6.5% Fixed or adjustable
DSCR Loans – Qualify based on rental income (no tax returns)
Portfolio Loans – Refinance 5+ properties into one loan
DSCR Mortgage Calculator
Loan Details
New To Rental Loans?
Long-term rental loans, including DSCR (Debt Service Coverage Ratio) loans, allow you to qualify based on your property’s rental income rather than personal tax returns. This is a game-changer for self-employed investors or those building a portfolio.
Example Scenario:
You find a duplex in Dallas, TX, renting for $3,000/month. With a $250,000 purchase price and 25% down ($62,500), your mortgage payment is $1,400/month (including taxes/insurance). The 1.5 DSCR ($3,000 rent ÷ $1,400 payment) qualifies you easily no need to show W-2s or tax returns.
Revolving Credit Secured by Your Property
Draw Funds as Needed – Like a credit card
Rates from 6% Interest-only payments during draw period
No Closing Costs (Limited-time offer)
Use For
Renovations
Down payments on new investments
Emergency reserves
What Is A HELOC
A HELOC lets you tap into your property’s equity as needed, making it perfect for investors who want flexibility. For example, use $30,000 from your HELOC to renovate a kitchen, then $20,000 later for a down payment on a new rental all while paying interest only on what you use.
Example Scenario:
You find a duplex in Dallas, TX, renting for $3,000/month. With a $250,000 purchase price and 25% down ($62,500), your mortgage payment is $1,400/month (including taxes/insurance). The 1.5 DSCR ($3,000 rent ÷ $1,400 payment) qualifies you easily—no need to show W-2s or tax returns.
Revolving Credit Secured by Your Property
Draw Funds as Needed – Like a credit card
Rates from 6% Interest-only payments during draw period
No Closing Costs (Limited-time offer)
Use For
Renovations
Down payments on new investments
Emergency reserves
What Is A HELOC
A HELOC lets you tap into your property’s equity as needed, making it perfect for investors who want flexibility. For example, use $30,000 from your HELOC to renovate a kitchen, then $20,000 later for a down payment on a new rental all while paying interest only on what you use.
Example Scenario:
You find a duplex in Dallas, TX, renting for $3,000/month. With a $250,000 purchase price and 25% down ($62,500), your mortgage payment is $1,400/month (including taxes/insurance). The 1.5 DSCR ($3,000 rent ÷ $1,400 payment) qualifies you easily—no need to show W-2s or tax returns.
Turn Equity Into Lump-Sum Cash
Rates from 6% – Lower than personal loans
80% LTV for Primary Homes | 75% for rentals
Close in 14–30 Days
Scenario Use of Cash-Out Refinance
A cash-out refinance is ideal for long-term investors who want to leverage rising home values. For example, if you own a paid-off rental property in Miami worth $400,000, refinancing at 75% LTV gives you $300,000 cash to buy two more rentals while keeping the original property’s cash flow.
Common Uses:
Buy additional properties in high-appreciation markets like Phoenix or Tampa
Convert equity into tax-deductible debt (consult your CPA)
Replace high-interest business loans with lower mortgage rates
Turn Equity Into Lump-Sum Cash
Rates from 6% – Lower than personal loans
80% LTV for Primary Homes | 75% for rentals
Close in 14–30 Days
Scenario Use of Cash-Out Refinance
A cash-out refinance is ideal for long-term investors who want to leverage rising home values. For example, if you own a paid-off rental property in Miami worth $400,000, refinancing at 75% LTV gives you $300,000 cash to buy two more rentals while keeping the original property’s cash flow.
Common Uses:
Buy additional properties in high-appreciation markets like Phoenix or Tampa
Convert equity into tax-deductible debt (consult your CPA)
Replace high-interest business loans with lower mortgage rates
Finance Ground-Up Builds or Major Renos
90% of Total Project Cost Staged disbursements
Interest-Only During Build Convert to permanent loan after completion
12–24 Month Terms
New to ground-up construction?
Our loans cover 90% of land acquisition and building costs, with funds released in stages (foundation, framing, etc.) to ensure your project stays on budget.
Example Scenario
You buy a lot in Nashville for $100,000 and plan to build a $400,000 spec home. With a 90% loan-to-cost (LTC) construction loan, Divine Equity funds $450,000 ($100k land + $400k build). After completing the build in 12 months, you either sell the home or refinance into a 30-year rental loan.
Finance Ground-Up Builds or Major Renos
90% of Total Project Cost Staged disbursements
Interest-Only During Build Convert to permanent loan after completion
12–24 Month Terms
New to ground-up construction?
Our loans cover 90% of land acquisition and building costs, with funds released in stages (foundation, framing, etc.) to ensure your project stays on budget.
Example Scenario
You buy a lot in Nashville for $100,000 and plan to build a $400,000 spec home. With a 90% loan-to-cost (LTC) construction loan, Divine Equity funds $450,000 ($100k land + $400k build). After completing the build in 12 months, you either sell the home or refinance into a 30-year rental loan.
Asset-Based Loans for Non-Traditional Deals
No Credit Check Approval based on collateral
Close in Days – Urgent funding
Loan Types:
Bridge loans
Land loans
Non-QM loans
Why Private Lending?
Private lending bridges the gap when traditional banks say “no.” Whether you’re buying raw land in Texas or a non-warrantable condo in Miami, we structure loans based on collateral, not credit scores
Example Scenario
You find a 10-acre parcel zoned for multi-family development in Houston. With a $500,000 purchase price and 30% down ($150,000), our private lending team funds the remaining $350,000 at 10% interest. After securing permits, you refinance with a construction loan to break ground.
Asset-Based Loans for Non-Traditional Deals
No Credit Check Approval based on collateral
Close in Days – Urgent funding
Loan Types:
Bridge loans
Land loans
Non-QM loans
Why Private Lending?
Private lending bridges the gap when traditional banks say “no.” Whether you’re buying raw land in Texas or a non-warrantable condo in Miami, we structure loans based on collateral, not credit scores
Example Scenario
You find a 10-acre parcel zoned for multi-family development in Houston. With a $500,000 purchase price and 30% down ($150,000), our private lending team funds the remaining $350,000 at 10% interest. After securing permits, you refinance with a construction loan to break ground.
Frequently Asked Questions
We understand you might have some questions
Can I get a loan with a 550 credit score?
Yes! Private lending and some DSCR loans allow low scores.
Do you lend on commercial properties?
Yes—retail, office, and mixed-use.
What states do you serve?
All 50 states
Divine Equity All Services
View All the services Divine Equity has to help you.
Why 500+ Clients Choose Divine Equity
Fast approvals
Flexible Funding solutions
Expert Guidance
High Approval Rates
Lets get started
1. Consult: Tell us your goals (business, property, or both)
2. Match: We align you with the right services.
3. Execute: Get funded, compliant, and operational.
© 2025 Divine Equity - All Rights Reserved,
© 2025 Divine Equity - All Rights Reserved,