Less back-and-forth.
Our focus is a more coordinated experience, with clearer information requests and fewer administrative handoffs.
PRIVATE LENDING FOR REAL ESTATE INVESTORS
Your ambition.
Our intelligence.
Forward.
Finance your next flip, rental investment or new build.
Technology is designed to reduce back-and-forth and move your financing forward efficiently. Deeply experienced real estate operators make the core lending decisions.
FIX & FLIP+RENTAL PORTFOLIOS+NEW CONSTRUCTION
+ INTELLIGENCE IN MOTION
TECHNOLOGY × EXPERIENCE
THE NEXT WAVE OF REAL ESTATE LENDINGSCROLL TO EXPLORE ↓
More time on the opportunity.
Less time chasing the process.
That’s the direction of WAVE.loan. ↗THE EXPERIENCE BEHIND YOUR FINANCING
20+ yearsDavid Diaz’s real estate career
Over a decadeRoger Lehman’s capital markets and real estate experience
43 states + D.C.Coverage includes CA, NV and UT through licensed partners; project and program review applies
Career experience is distinct from Coastal or WAVE.loan lending volume. Leadership background · Coverage details
01 / BUILT AROUND YOUR STRATEGY
Different moves.
One forward mindset.
You see potential where others see property.
Choose your strategy. We’ll meet you there.
THE VISION / THE NEXT CHAPTERW / 01
FIX & FLIP · BRIDGE
See the potential.
Make your move.
Acquisition. Renovation. Exit. Financing should make sense across the whole project—not just the purchase.
- A conversation grounded in your scope and exit strategy
- Acquisition and renovation financing pathways
- Operators who understand the work behind the numbers
Subject to project review, underwriting and program availability.
02 / INTELLIGENCE WITH ACCOUNTABILITY
Technology drives efficiency.
Experience makes the call.
WAVE.loan brings technology to coordination and repetitive tasks—so experienced operators can focus on the decisions that matter to your deal.
THE WAVE.loan APPROACHAI + OPERATORS
01Your projectThe plan, the property, the opportunity.
02Intelligent coordinationOrganize information. Surface what needs attention.
03Operator judgmentContext, decisions, and a team accountable to you.
Our operating philosophy: technology moves the process forward; deeply experienced operators make the core lending decisions.
Context beyond the checklist.
A spreadsheet can describe a property. An operator understands the renovation, the lease-up, and the decisions between here and there.
A relationship that keeps moving.
One flip can become a repeat strategy. One rental can become a portfolio. We want to understand what you’re building toward.
03 / OPERATORS FIRST
We know there’s
more to a deal
than a spreadsheet.
WAVE.loan grows out of Coastal’s operator-led approach to private lending. Real estate is a business of budgets, timelines, people, and judgment. That perspective belongs at the table.
We bring that experience to a tech-forward lending model designed for speed and efficiency. Technology supports the work; experienced operators make the core decisions—for investors renovating homes, growing rental portfolios, and creating new places to live.
Bring us your next move ↗THE PEOPLE BEHIND THE PERSPECTIVE
Real operators.
Personally invested.
The Coastal leadership team brings experience across building, investing, capital markets and lending operations.
Co-Founder · CEO
David Diaz
David brings two decades across real estate finance, construction and institutional residential investment. His experience spans mortgage banking, renovations, new homes and large residential portfolios.
Co-Founder · COO
Roger Lehman
Roger brings over a decade of experience across capital markets, real estate finance and development. His background includes Wall Street derivatives and structuring residential and commercial credit products.
Chief Growth Officer
Daniel Barres
Daniel is an entrepreneur and developer with more than 20 years in real estate, including build-to-rent. He focuses on growth and partnerships grounded in understanding investors and builders.
VP · Loan Operations
Andre Cuadrado
Andre is a U.S. Army veteran and commercial real estate finance executive with nearly 20 years of experience. His experience spans lending, underwriting, credit risk and loan operations, with a focus on better processes and transaction execution.
43 STATES + D.C.
National reach.
Local perspective.
Invest across a broad national footprint, including California, Nevada and Utah through licensed partners. Technology supports efficient coordination while experienced operators work through your property, strategy and market.
Explore the coverage map ↗Your next market.
From established investment communities to your next opportunity, start with the location and the plan.
Experience on the ground.
Explore seven local market snapshots from Florida and Texas, alongside our full national coverage.
43 states and Washington, D.C. Coverage includes licensed partner pathways in CA, NV and UT. Property and program review apply.
PREPARE YOUR NEXT MOVE
A clearer picture.
A better conversation.
Explore the financing path that fits your investment strategy, then prepare the details that bring your project into focus.
04 / A CLEAR WAY FORWARD
Your next move.
Let’s put it in motion.
Start with a conversation.
Leave the guesswork behind.
Tell us the plan.
Your property, investment strategy, and what you want to accomplish.
Work through the fit.
Our team reviews the opportunity, financing options, and the information needed to move forward.
Know the next step.
A clear path through review and closing, with a client portal for the work along the way.
YOUR NEXT OPPORTUNITY STARTS HERE
What’s your
next move?
A single property. A growing portfolio.
A ground-up vision. Let’s talk.
Intelligent capital.Experienced people.
START A CONVERSATION01 — 02
Let’s explore your next renovation.
Choose your route, then complete your application through FiOps.
A FEW THINGS WORTH KNOWING
Who is WAVE.loan built for?+
Real estate investors with a forward mindset: fix-and-flip operators, rental investors and aggregators, and ground-up builders. Financing fit depends on the project and applicable program requirements.
Where does AI fit—and where do people fit?+
Our direction is to use AI and automation to coordinate information and reduce repetitive administration, with the ambition of market-leading speed and efficiency. Deeply experienced real estate operators make the core lending decisions. Technology strengthens their work and the borrower relationship.
What should I have ready?+
Start with your investment strategy, property location, project plan and timeline. Our team will identify the information needed for your specific financing request.
Do you offer financing terms on this site?+
We prefer to understand your project first. This website does not provide a rate quote, commitment, or credit decision. Specific terms depend on underwriting and current program availability.