A Clear, Fast Path from Idea to Close
We turn complex investor financing into a clean, step-by-step process across Texas & Florida.
The 3-Stage Roadmap
From first conversation to funding, here's how we guide every deal
Discover
10–15 minutes to align
Share the basics: property, purpose (purchase/refi/cash-out), timeline, budget/rehab scope, exit plan.
Structure
Compare options—no guesswork
We translate the fine print and present structures side-by-side (bridge, DSCR, hard money, conventional CRE—investor only), with key trade-offs and a doc checklist.
Diligence & Close
Clean execution
Title, appraisal/inspections (as applicable), entity docs, insurance, closing coordination; weekly rhythm of updates.
What We Handle
You focus on the deal. We manage the process.
Deal screening and fit (investor-only)
Term sheet mapping & comparison
Underwriting packaging
Third-party coordination (as needed)
Rehab draw framework (when applicable)
Exit planning to DSCR or Conventional CRE (Investor)
Weekly update cadence until funding
Program Paths
The process adapts to your program. Here's how each path works.
Documents & Third-Party Reports
No uploads here—just education on what to expect
Timelines & Milestones
Expected sequencing for a typical deal
Discovery
Same/next day call availability
Term Sheet
Scenario-dependent window
Third-Party
Title/appraisal/environmental when required
Underwriting
Final docs & conditions
Funding
Wire & close
Disclaimer: Illustrative only; timing varies by scenario and market conditions.
Rehab Draws (If Applicable)
How renovation funding works on bridge and hard money loans
Scope & Budget
Detailed line items
Milestone
Work completed
Inspection
Verify progress
Release
Funds disbursed
Pro Tips
Build in 10-15% contingency
Ensure contractor readiness
Collect lien waivers
Maintain photo logs
Exit Strategy (Always Plan Day One)
Set underwriting expectations early and keep a data trail for your take-out
Bridge → DSCR
Stabilize rents, season the property, then refinance into long-term DSCR financing with better rates and terms.
Learn MoreBridge → Conventional CRE (Investor)
After full stabilization and seasoning, transition to conventional CRE for maximum efficiency and lowest cost of capital.
Learn MoreMarkets & Ticket Sizes
Serving Texas and Florida with typical loan sizes $250k–$25M+ across investor assets (multifamily, SFR portfolios, retail, light industrial, self-storage, hospitality—case by case).
Have questions about specific markets or property types? Check our FAQ
Mini Case Snapshots
Real scenarios, real outcomes (no rates or guarantees)
TX Value-Add Multifamily
Inputs
24-unit property, $2.4M purchase, $400k rehab
Structure
Bridge loan with rehab draws
Outcome
Stabilized in 18 months, refinanced to DSCR
FL SFR Portfolio Scaling
Inputs
8-property portfolio, $3.2M total
Structure
DSCR purchase, later cash-out refi
Outcome
Scaled to 15 properties within 2 years
Retail Reposition
Inputs
Strip center, $5M, tenant turnover
Structure
Bridge rescue, then conventional CRE take-out
Outcome
Leased up, refinanced at lower rate
Frequently Asked Questions
Clear answers to common process questions
Ready to Move Fast? Book a Call.
Pick a time that works for you—no forms, no friction
Compliance Notice: Examples and timelines shown are illustrative only. Program availability, documentation requirements, covenants, and closing timelines vary by lender, property type, borrower profile, and market conditions. No public promises of rates, terms, or approvals are made. Divine Capital Collective (Julia Anatolvina Consulting LLC) specializes exclusively in investor-only, non-owner-occupied commercial real estate financing across Texas and Florida.