Divine Purpose Real Estate LLC

Valdosta GA Hard Money Lender

About Me

Benjamin & Rayette are managers at The Flipping Kings Real Estate Investment Company operating out of NY, NJ & CT Tri-State Area. They where trained by A&E and HGTV Stars, there now part of there networks and growing team throughout the United States. Their specialty is Fix and Flip, Wholesaling, Turnkey Cash Flow Properties, Home Decor & Home Staging. They have recently expanded there operations in a joint venture with Liza Norita creating Divine Purpose Real Estate LLC out of Valdosta Georgia.


Liza Norita manager at Divine Purpose started in Real Estate in 1998. With over 20 years of experience in Merchant Services / Financial Services industry. Her other specialties are banking, commercial real state, comprehensive real estate, tax liens, auctions, she is also an expert in negotiating, research & development, historical buildings, contracting, land notes, wholesaling, and among her other strengths as a facilitator for Investors locally and abroad. 

 Funding tends to be the number one challenge to new and seasoned investor, as we know personally when starting out there was a major set back to obtain those great deals all do to the lack of funding. Now it doesn't have to be a stuggle. We're taking the funding process and making it simple, you find the deals and we find the funds.

What is Hard Money?

A hard money loan is a collateral based loan against a hard asset - typically real estate - and is often referred to as private mortgage or private mortgage note. Unlike typical mortgage loans, hard money loans are provided by private sources (individuals and small lenders rather than large government or Wall Street backed sources). Hard money loans are often used if a person is having a difficult time getting approved for a conventional loan. The approval process for a hard money loan is usually much more streamlined than with a conventional loan because hard money lenders don't have to follow strict institutional lending guidelines, and because they look mainly to the collateral as security for repayment rather than the borrower alone.

Hard money loans can be used for both commercial and residential properties and, since private lenders use their own money, they are able to create their own flexible lending terms that will meet both their and the borrower's needs. Another advantage of hard money loans is that they are typically closed very quickly and with little documentation. Of course, since these loans are usually “outside of the box” and higher risk, the interest rates for hard money loans are usually higher then with a conventional loan.

If you are having difficulty obtaining conventional financing, or simply need a loan closed fast with creative and flexible terms, consider hard money.

Will my deal qualify for Hard Money?

Although here are many different types of hard money lending programs, the following can be used as general guidelines for determining whether your deal would be appropriate for a hard money lender. Even if your deal doesn't match exactly to these guidelines, feel free to apply anyway. My hard money team will let you know if your deal makes sense for one of our many hard money lenders:

  • Loans are usually up to 65% Loan-to-value (LTV) based off the After-Repaired-Value (ARV);
  • 100% of acquisition/construction can be financed no problem;
  • Both residential and commercial properties are OK;
  • Low credit scores? No income? That's OK too;
  • We welcome foreclosure/bank REO properties;
  • Interest only and "no payment" options are available;
  • All loans must be for business or investment purposes (sorry, no primary residences at this time);
  • We can handle cash-out refinances of land or existing structures;

If you have any questions about your deal or hard money in general, please feel free to contact me, or you may simply complete the application below and either me or my underwriting team will contact you.

For immediate consideration, please fill out the loan inquiry below.

Divine Purpose Real Estate LLC


Name: Divine Purpose Real Estate LLC

Office phone: (888) 893-7380

Cell Phone: (347) 688-8475

Email: Benjamin@divinepurposellc.com

Address: 100 N Patterson Street

City: Valdosta

State: GA

ZIP: 31602