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 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. 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.
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
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 days · $500k – $10M rangeBring 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