Unlock The Power Of Private Money Lending For Your Real Estate Investments

At Divine Light Capital, we are the leading source of private money in the nation, empowering investors to seize opportunities and achieve their real estate dreams. Partner with us today and unlock the power of private money lending for your real estate investments. Let Divine Light Capital be your trusted financial partner, helping you turn your visions into realities.

Announcing Our New
100% Financing Program

Perfect for the Fix n' Flip Investor who has a good/excellent credit score of 620+ and verifiable income/cash flow.

Financing delivered in 14 days or less

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Residential Investment Loan Types

Non FHA Cap Loans

Fix & Flip Deals

Minimum 620 Credit Score
Non-Owner Occupied
Rates as low as 10.24%
Term: 12-18 Months
Loan Amount:
- $50K-$7.5M for 1-4 Family, Condos, Townhomes
- $250K-$10M for Multi-Family (5+)/Mixed Use

Long-Term Rental Deals

Minimum 680 Credit Score
Non-Owner Occupied
Rates starting at 6.15%
Loan Amount: $55K-$2M
Type: Purchase; Refinance; Cash-Out

New Construction Deals

Minimum 650 Credit Score
Non-Owner Occupied
Rates starting at 11.29%
Term: 12-18 Months
Loan Amount: $100K-$2M
Minimum Property Value: $150K As-Completed Value

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FHA Cap Loans

Fix & Flip Deals

No Minimum Credit Score
Non-Owner Occupied Residential Property
Property Type:
- Single Family
- Duplex
- Triplex
- Fourplex
Sale Price: After Repaired Value (ARV) will not exceed FHA cap. (Learn Your FHA CAP)
Size of House*: 2800 sq. ft. Maximum
Property Features*: 5 BDRS | 3 BATH Maximum
Size of Property*: 1/2 Acre Maximum

*Higher credit scores (680+), and a down payment (20% or more) trumps the last 3.

Refinance Deals

No Minimum Credit Score
Non-Owner Occupied Residential Property
Business Purpose Refinance Loan up to 65% of As-Is-Value
Cash-Out Refinance Loan up to 50% of As-Is-Value

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Why Choose Divine Light Capital?

If you have a great deal and know where to go, getting funding is never difficult. Luckily for you, you've discovered the go-to place for quick and reliable funding on real estate investment deals. We are here to ensure your success

Tailored Solutions

We recognize that each real estate project is unique. That's why we offer customized funding options to suit your specific needs. Whether you're investing in large commercial properties or single-family homes, we have the right loan solutions for you.

Asset-Based Lending

Unlike conventional bank financing, we focus on the potential of the deal rather than relying solely on credit scores. We assess the value of the property to determine loan eligibility, opening doors for investors with diverse financial backgrounds.

Customer Service

At Divine Light Capital, we prioritize your satisfaction. Our dedicated team is committed to providing personalized support, answering your questions, and delivering a smooth and hassle-free lending experience.

Seamless Process

Our streamlined loan application and underwriting process ensures efficiency and transparency. We guide you every step of the way, providing clarity on documentation requirements, loan terms, and repayment options.

Experience That Matters

Our team of seasoned professionals brings unparalleled expertise in private money lending. We understand the intricacies of the real estate market and leverage our knowledge to help you succeed.

Commercial Projects

We provide short-term, small-balance bridge loans on core commercial real estate properties on a nationwide basis. We work with borrowers that need capital to move their business plans forward and can benefit from our team’s strong origination, underwriting, closing and servicing capabilities.

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