Built by operators.
Coastal Real Estate Funding combines institutional capital markets discipline with hands-on real estate operations. We're not a fintech with a finance team — we're operators who built a lender.
The problem was the people writing the checks.
Coastal Real Estate Funding was founded by David Diaz and Roger Lehman — two professionals who spent their careers on opposite sides of the same industry. David built and renovated thousands of homes across Florida while managing institutional portfolios. Roger structured and financed real estate deals from Wall Street trading desks and capital markets platforms.
They saw the same problem from different angles: private lending was too slow, too opaque, and run by people who had never swung a hammer or walked a job site. They started Coastal to fix that.
Capital partners, not just lenders.
To deliver fast, transparent private lending built on institutional discipline and operator-level understanding. We exist to give real estate investors a capital partner who actually understands their business — not just the spreadsheets, but the properties, the timelines, and the risks that matter on the ground.
$2B
Real estate debt underwritten36,000+
Units operated1,200+
Renovations personally completed300+
Homes built ground-upA few rules we don't break.
No broker chains.
Capital flows from our balance sheet to your wire. No intermediate parties, no surprise fees, no "we need one more sign-off."
No re-trading after term sheet.
We honor our quotes. 94% of our deals close at the price we first promised. Industry average is 71%.
No surprises at close.
Our diligence is front-loaded. By the time you sign docs, every condition is satisfied. No 11th-hour "we need this one more thing."
Operators talk to operators.
You get a loan officer who understands renovation budgets, draw schedules, and what actually happens on a construction site.
We have built 300 homes, completed 1,200 renovations, and underwritten $2B in real estate debt — before we wrote a single loan.— David Diaz & Roger Lehman, Co-Founders
Bring us your deal.
A loan officer reviews every inquiry within 4 business hours and follows up with a locked term sheet inside 24 hours.