Fast & FlexiblePrivate Lendingfor Real Estate Investors
From rapid fix-and-flip bridge loans to seamless, no-income-doc DSCR refinances, we support your entire investment lifecycle under one roof. Partner with a lender that understands your market and moves as fast as you do.
Hard Money LendingTrusted Private Lenders in Maryland
Coastal Private Lending was founded in 2021 and is a privately owned company located in the Baltimore Metro area. We specialize in alternative lending solutions for real estate investors. Our team’s experience allows us to provide tremendous value to our clients through the use of various financing products and services.
We are a true one stop shop when it comes to investment financing for residential real estate. We offer an array of products to include: Fix and Flip, BRRR, 30 year rental loans, and Multi-family residential property financing from 1-9 units.
At Coastal Private Lending, we understand your needs as a real estate investor and our goal is to provide solutions to grow your business. We are real estate investors too, so we understand the drawbacks of using traditional funding methods such as banks and have dealt with those hurdles ourselves. Our mission is to provide clarity and solutions to help you grow your wealth and your real estate business through real estate investing.
Loans secured
Our Loan ProductsPrivate Money Programs
Explore our suite of investor-focused loan programs. Whether you are flipping a single property or scaling a vast rental portfolio, we deliver the rapid capital and creative solutions required to grow your wealth.
Fix and Flip Loans
Finance 100% of purchase and renovation costs with funding based on the property's potential value. We make in-house decisions for fast approvals, offering interest-only payments during the project term and draw requests funded within 24 hours to keep your closings on track.
75% ARV
Loan Sizing
6-18 mo
Term Length
5 Days
Min Closing
Fix and Hold as Rental
Support your entire investment lifecycle under one roof. We finance 100% of your acquisition and renovation costs with fast, common-sense underwriting, then seamlessly transition you into an in-house DSCR refinance once the project is stabilized. Get approvals and draw requests funded within 24 hours.
75% ARV
Loan Sizing
5 Days
Min Closing
2-in-1
Financing
DSCR
Enjoy cash-flow-based approvals for an unlimited number of 1-9 unit residential properties with no income documentation required. Close in an LLC or personal name with up to 85% LTV on purchases and 75% LTV on cash-out refinances. We even offer interest only payment options.
30-40 YR
Fixed Term
640+
Credit Score
85%
Max LTV
Why Choose Coastal Private LendingWe’re Not Just Lenders, We’re Real Estate Investors
At Coastal Private Lending, we evaluate opportunities through an investor’s lens because we’ve been in your shoes. Our leadership team actively flips houses and manages extensive rental portfolios, so we intimately understand the challenges of sourcing deals, managing renovation budgets, and overcoming the frustrating hurdles of traditional bank financing.
We don’t force borrowers into a one-size-fits-all loan. Instead, we take a consultative approach. Whether you need short-term capital to flip a distressed property, or long-term DSCR financing to scale your rental portfolio, our mission is simple: to provide the clarity, speed, and creative financing solutions you need to confidently grow your wealth.
What Sets Us Apart
Built by Investors, for Investors
We know what it takes to structure a winning deal. We utilize common-sense underwriting based on the asset's potential, not your personal DTI. With no personal income verification or tax returns required on our DSCR loans, you can finance an unlimited number of properties and close in an LLC.
Lightning-Fast Speed & Reliability
In real estate, speed wins deals. Because we make in-house decisions and utilize our own capital, your closings stay on track. We offer 24-hour turn times for underwriting, closings in as little as 5 days, and renovation draw requests funded within 24 hours. For many of our short-term programs, no appraisal is required.
Seamless Full-Lifecycle Financing
Stop bouncing between different lenders for different phases of your project. We offer a seamless path from acquisition to a stabilized rental. Fund your purchase and renovations with our short-term bridge capital, and seamlessly transition into a 30-year fixed DSCR refinance once the project is complete, all under one roof.
Tailored Capital Solutions
Complex scenarios require creative problem solvers. In addition to our in-house capital, we leverage a nationwide network of lending partners, including private lenders, regional banks, credit unions, and portfolio lenders. This ensures we can match your specific exit strategy with the best possible terms and loan structures.
A Long-Term Growth Partner
Our goal isn't just to close a single loan; it’s to help you scale your real estate business efficiently. Whether you are flipping your first property or refinancing your fiftieth rental unit, our team provides the personalized guidance and reliable capital you need to recycle your funds and acquire more doors.
TestimonialsReviews From Our Borrowers
Where We Lend
CURRENTLY LENDING
NOT AVAILABLE
OFFICE LOCATION
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