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. Type your deal below. See your terms.
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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 across our 40-state footprint.
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, one desk.
Four programs.
Fix & Flip
92.5% LTC · 75% ARV · 12 monthsGround-Up Construction
90% LTC · 70% ARV · 12 – 18 monthsBridge
80% LTV · 12 monthsDSCR Bridge Plus
80% LTV · up to 30 yearsFix & 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.
Ground-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.
Bridge
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.
DSCR 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.
How we measure ourselves.
Average loan size
last 30 daysHave a deal in hand?
Type it in. See your terms in minutes — a real person reviews every file.
Bring 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
Exceptional: 4.9 out of 5 Stars
Fund Your Next Deal in 5–10 Days
Direct capital via wave.loan 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 nationwide.
24h
Pre-Qualification Turnaround
4
Loan Programs Available
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Nationwide Coverage
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Direct Lender — No Brokers
Built on Real-World Experience
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Years Experience
of hands-on real estate finance and investment expertise across U.S. real estate markets
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Projects Completed
renovation and construction projects successfully funded and closed
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Lots Transacted
residential lots acquired, developed, and sold across the Sunshine State
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U.S. Markets
with active lending coverage across U.S. real estate markets — fast, direct capital nationwide
Lending Solutions
Pragmatic underwriting. Direct funding. Long-term relationships. Market leading loan structures for every scenario.
Fix & Flip Loans
Short-term, asset-based capital for acquiring and renovating residential properties for resale. Designed for active investors who value speed, leverage, and predictable execution.
- Rates 8.50% - 10.99%
- Up to 90% of Purchase Price
- 100% of Rehab Budget
- 93% LTC max, up to 75% ARV
Ground-Up Construction
Staged construction financing for spec builds and investor-driven development projects. Structured around real-world builder timelines and milestone-based draw schedules.
- Rates 8.99% - 10.99%
- 85-90% Loan-to-Total-Cost (incl. land)
- 65-70% ARV cap
- 100% of construction cost
Bridge Loans
Flexible short-term capital for acquisitions, refinances, cash-outs, and transitional properties. Ideal for investors executing time-sensitive opportunities.
- Rates 8.50% - 11.99%
- Purchase: 80% LTV
- Refinance: 75% rate/term, 70% cash-out
- 12-month term, no prepayment
DSCR / Rental
Cash-flow-based financing for rental investors. Qualify based on property income — no personal income verification required.
- Starting at 6.00%
- Up to 80% LTV
- DSCR ≥ 1.0x
- Up to 10 Years IO
Capital That Thinks Like an Investor
We are builders and investors who built a lending platform after years of borrowing ourselves. We structured Coastal to eliminate the friction, unpredictability, and unnecessary bureaucracy common in private lending.
Direct Institutional Capital
No broker chains or capital stacking. We fund directly from our balance sheet.
Operator-Built Underwriting
We understand construction risk because we have built, renovated, and operated properties ourselves.
Predictable Draw Process
Fast inspections and reliable funding. 72-hour draw turnaround so your project stays on schedule.
Transparent Pricing
No hidden fees. Clear term sheets with upfront pricing from day one.
Long-Term Relationships
We support repeat operators with better terms and a streamlined process on every subsequent deal.
How It Works
From first call to funded deal — a streamlined process designed for speed.
1
Submit Your Deal
Tell us about the property, your experience, and your strategy using our quick online form.
5 minutes
2
Get a Term Sheet
A dedicated loan officer reviews your deal and delivers a term sheet within 24 hours.
24 hours
3
Underwriting & Diligence
We complete valuation, title, and borrower verification — fast and without surprises.
2-5 days
4
Close & Fund
Sign documents and receive your wire. We coordinate with title and escrow for a seamless close.
Same-day wire
1
Submit Your Deal
Tell us about the property, your experience, and your strategy using our quick online form.
5 minutes2
Get a Term Sheet
A dedicated loan officer reviews your deal and delivers a term sheet within 24 hours.
24 hours3
Underwriting & Diligence
We complete valuation, title, and borrower verification — fast and without surprises.
2-5 days4
Close & Fund
Sign documents and receive your wire. We coordinate with title and escrow for a seamless close.
Same-day wireTrusted by Active Investors
What borrowers value most about working with Coastal.
Coastal closed my first three deals in under 10 days each. Their team understood my renovation plan and got it done.
Marcus R.
Fix & Flip InvestorFrequently Asked Questions
What credit score do I need?
Most programs require a minimum 660 FICO. We focus on deal quality, borrower experience, and exit strategy — not just credit score. Strong deals with experienced borrowers may qualify with lower scores.
How fast can you actually close?
We have closed in as few as 3 business days. Typical closings are 5-10 days for bridge and fix & flip, 10-14 days for construction, and 14-21 days for DSCR. Speed depends on clear title, appraisal, and borrower responsiveness.
Are there prepayment penalties?
No prepayment penalties on fix & flip or bridge loans. DSCR loans may have a step-down prepayment structure (typically 3-2-1 or 5-4-3-2-1) depending on the term.
Do you work with first-time investors?
Yes. While experienced borrowers get the best terms, we actively work with first-time investors on fix & flip and bridge programs. We look for strong deals, adequate reserves, and a realistic plan.
Get Pre-Qualified in Minutes
Answer a few project questions and our lending team will reach out with next-step guidance tailored to your scenario.
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Talk to a Lending Specialist
Pre-qualification in 24 hours. Term sheet in 48 hours. No commitment, no hard credit pull.