Capital that understands your project.
We've built 300 homes, completed 1,200 renovations, and underwritten $2B in real estate debt — before we wrote a single loan.
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David Diaz & Roger Lehman review every deal above $1M personally. They've operated, financed, and exited deals like yours.
Meet the operatorsBuilt by operators who have closed thousands of deals.
Direct capital from a team that has built, renovated, and financed over 36,000 units. No broker chains. No surprises. Fix & flip, construction, bridge, and DSCR loans coast to coast.
We started Coastal because private lending was too slow, too opaque, and run by people who had never swung a hammer or walked a job site. We fund deals in 5–10 days because we already know what we are looking at.
Four programs. Sized between $500k and $10M.
Fix & Flip
Short-term capital for acquiring and renovating residential properties. We fund up to 100% of your rehab budget — reimbursed in 72-hour draws as work completes. No prepayment penalty if you exit faster than projected.
Read the term sheetGround-Up Construction
Staged financing for new residential construction. We fund land acquisition (up to 60%) and 100% of vertical construction cost. Draw-based releases tied to milestone inspections — no surprises, no delays.
Read the term sheetBridge
Short-term capital for acquisitions, refinances, and cash-out on stabilized properties. Multi-family, mixed-use, and small commercial. 12-month standard term with no prepayment penalty — exit when the take-out is ready.
Read the term sheetDSCR Bridge Plus
Long-term financing for income-producing rentals. We qualify on the property's cash flow at 1.0x DSCR minimum — no personal income docs. Up to 10 years interest-only, then 30-year amortization. Built for portfolio investors.
Read the term sheetThe people you'll
actually talk to.
David brings more than two decades of experience in real estate finance, construction, and institutional investment. He has been directly involved in over 36,000 single-family and multifamily units, completed more than 1,200 renovations, built over 300 new homes, and transacted on more than 4,000 residential lots.
David began his career in commercial mortgage banking, where he underwrote and marketed more than $2 billion in structured real estate debt for agency, life company, and conduit lenders. He transitioned into operational leadership with a focus on value-add investment and large-scale residential platforms.
A graduate of Florida State University and the University of Central Florida.
Roger brings over a decade of experience across capital markets, real estate finance, and development. He began his career on Wall Street working in equity and credit derivatives before transitioning into real estate investment and private lending.
At Austray International, Lendmara, and Bluenest Development, he helped structure residential and commercial credit products while managing investor relations across diverse capital stacks.
Roger ensures every Coastal loan pencils — for the borrower, for our balance sheet, and for the institutional partners who back us.
How we measure ourselves.
Median days from inquiry to wire
last 30 daysOn-time funding rate
last 12 monthsLoans never re-priced post term sheet
lifetime · industry avg 71%Borrower NPS
last 12 monthsAverage loan size
last 30 days · $500k – $10M rangeRepeat borrower share
last 12 monthsBring us your deal. We'll quote it in a day.
Submit your numbers, get a term sheet within 24 hours, close in 7–10 days. No commitment, no hard credit pull, no broker chain.
or call (239) 259-9829