Starcoast Capital

Smart Capital Solutions for Residential & Commercial Investments

Starcoast Capital is a Residential & Commercial Real Estate Family Office, providing flexible financing solutions to help clients close deals with confidence.

A Smarter Approach to Real Estate Financing

What Sets Us Apart

Fast & Simple Funding – Minimal paperwork, quick approvals.
Direct In-House Servicing – No middlemen, just seamless transactions.
Flexible Loan Control – We manage funds efficiently to keep projects on track.
Competitive Rates – Financing that works for you, not against you.

Fast, simple financing to close your next deal.

Loans for Residential & Commercial Investors

Secure the capital you need without delays or complicated paperwork. Our streamlined process helps residential and commercial investors close deals quickly. Flexible loan terms, competitive rates, and fast approvals give you the edge in any market. Whether you're fixing, flipping, or building your portfolio, we’re here to support your success.

Fix And Flip Loans

Get fast, flexible financing to buy, renovate, and sell properties—without the hassle.

90% Purchase LTV – Max leverage on acquisition
100% Renovation Budget – Full coverage for your rehab.
75% ARV – Strong equity-based funding.
14 Days Closing Time – Fast, no-nonsense timelines.
620+ Min FICO – Flexible credit requirements.
$150K+ Loan Amounts – Serious capital for serious deals.
0% No Pre-Pay Penalties – Exit on your terms—no fees, no restrictions.

Long-Term Rental Loans (DSCR)

Our long-term rental loans provide stable financing for both commercial and residential properties, giving you the flexibility to grow and hold your investments with confidence.

5% Rates Starting At
80% Purchase LTV – Max leverage on acquisition
75% Refi LTV – Refinance your existing property
$100K Minimum Loan Amount – Fast, no-nonsense timelines.
680+ Min FICO – Credit required
21 Days Fast Closings – Get funded quickly

Step-Down Prepay Penalties

Options: 5-Year, 3-Year, or 1-Year exit plans

Bridge Loans

Seize opportunities without delays. Our bridge loans provide quick, short-term financing to help you secure your next investment property fast.

8.5% Rates starting at competitive terms
80% Purchase LTV – Maximize leverage on acquisitions.
75% Refi LTV – Strong terms for refinancing needs
$150K+ Loan Amounts – Serious capital for serious deals
620+ Min FICO – FFlexible credit requirements.
14 Days Closing Time – Fast, no-hassle closings
0% No Pre-Pay Penalties – Exit on your terms—no fees, no restrictions.

Ground Up Construction Loans

We provide structured financing for both commercial and residential construction projects—so you can bring your vision to life with ease.

9.9% Rates starting for qualified borrowers
100% Construction Budget – Full coverage for your build costs
75% Purchase LTV – Leverage land acquisition easily
21 Days Closing Time – Quick closing to break ground faster
660+ Min FICO – Strong credit encouraged
65% ARV – Equity-based future value funding
0% No Prepay Penalties – Freedom to exit on your timeline
$200K+ Loan Amounts – Built for large-scale projects

Gap Funding (2nd Position Loans)

Bridge the gap in your capital stack with ease. Our second-position gap loans offer flexible terms and fast approvals—perfect for investors needing a quick boost to get deals done.

12% Rates Starting – For qualified borrowers
100% Renovation Budget – Full coverage for your rehab.
95% CLTV – Maximum combined leverage
13 Month Term – Short-term solution for fast-moving deals
680+ Min FICO – Reliable credit required
$100K+ Max Loan Amount – Quick capital when you need a boost

Note: To qualify for Gap Funding, the 1st position loan must be secured through Starcoast Capital. This ensures proper alignment of terms and simplifies the funding process.

Short-Term Rental Loans

Need funding for a short-term rental? Whether you're purchasing or refinancing, we make it easy to keep your investment moving.

90% Purchase LTV – Max leverage on acquisition
100% Renovation Budget – Full coverage for your rehab.
75% ARV – Strong equity-based funding.
14 Days Closing Time – Fast, no-nonsense timelines.
620+ Min FICO – Flexible credit requirements.
$150K+ Loan Amounts – Serious capital for serious deals.
0% No Pre-Pay Penalties – Exit on your terms—no fees, no restrictions.

Client Success Stories

"We were on a tight deadline and needed funding urgently. Starcoast Capital not only came through but surpassed our expectations. Their team worked efficiently, kept us informed every step of the way, and ensured our deal closed right on schedule. Exceptional service beyond what we expected!"

Monica L.

Partner with us and secure funding across the nation

Where We Lend

*Some loan programs are excluded. Apply to find out.