At Coastline Bridge Lending, we provide fast, flexible capital for small to mid-sized real estate investments across California, Nevada, and Arizona. Whether you’re tackling a fix-and-flip in Orange County or securing interim financing on a commercial property in Phoenix, our loan programs are designed to move at your speed.
We offer private money loans ranging from $50,000 to $500,000, tailored to match the specifics of your deal — including property type, location, borrower experience, and exit strategy.
While every deal is unique, the following table gives a quick view of how our loan limits apply across popular asset classes:
| Property Type | Minimum Loan | Maximum Loan |
|---|---|---|
| Fix & Flip | $50,000 | $500,000 |
| Ground-Up Construction | $50,000 | $500,000 |
| Rental Properties | $50,000 | $500,000 |
| Bridge Loans | $50,000 | $500,000 |
| Commercial Properties | $50,000 | $500,000 |
| Multi-Family | $50,000 | $500,000 |
Whether you’re flipping your first home or need a bridge loan to secure your next commercial deal, we’ve structured our program to serve fast-moving investors who need funding that’s flexible, not bloated.
Not every real estate opportunity fits the mold — but that’s exactly where we come in. Coastline Bridge Lending works with a range of property types, as long as they offer strong equity and a clear exit strategy.
Eligible properties include:
We assess each property on its marketability, condition, and location. Even unique or unconventional properties may qualify if the equity and borrower profile support the risk. This flexibility is what makes private lending such a strong fit for investors who think outside the box.
While our loan amounts range from $50,000 to $500,000, the actual size of your loan will depend on several deal-specific factors. We evaluate the overall risk and return profile based on:
Each deal is customized — we don’t take a one-size-fits-all approach.
View our Investor Qualification Guide for more on what we look for.
While our loan amounts cap at $500,000, your actual funding limit is also shaped by the property’s loan-to-value (LTV) ratio.
For most deals, Coastline Bridge Lending lends up to:
Our goal is to protect both the borrower and the lender by ensuring each transaction is well-collateralized. A lower LTV may unlock faster approvals and more favorable terms. Reach out to our team if you’re unsure how your deal measures up — we’re happy to walk you through it.
When weighing different financing options for your next real estate deal, the loan amount you qualify for plays a critical role in shaping your strategy. Many real estate investors — especially house flippers — struggle with the slow, restrictive processes of traditional bank loans that may not align with their timelines or property goals.
That’s where hard money lending stands out. Unlike banks that rely heavily on credit scores, employment history, and income verification, private lenders like Coastline Bridge Lending focus on the asset itself, the deal’s strength, and your exit plan. This gives you far more flexibility — particularly when working within a tight timeline or needing quick access to capital for unexpected opportunities.
For many borrowers, the key question is: How much can I really borrow? With hard money loans, the answer depends more on your equity and LTV (loan-to-value) than on rigid underwriting guidelines.
One of the reasons hard money loans are popular among experienced investors is their transparent structure. These loans are typically short-term loans, designed for use over 6 to 24 months. They often feature balloon payments — meaning you’ll make interest-only payments throughout the term and then repay the full principal at the end.
This structure works especially well for flips, bridge financing, and gap funding, where you expect to exit via resale, refinance, or another liquidity event. The goal isn’t to hold onto the loan forever — it’s to fund fast, execute your project, and repay once your plan is complete.
When it comes to interest rates, hard money loans are generally higher than those offered by traditional banks. However, you’re paying for speed, simplicity, and access — not bureaucracy. And since we don’t drag out approvals or demand perfect paperwork, the trade-off is often worth it for time-sensitive opportunities.
Fixed-rate options may be available depending on the deal, but many of our clients appreciate the flexibility that comes with short-term, asset-based lending. Our underwriting process focuses on what matters most: the value of the property, your exit strategy, and your ability to close quickly.
House flippers, developers, and real estate entrepreneurs need financing that moves at their speed — and that’s exactly what we provide. Whether you’re acquiring a distressed property or leveraging an existing one, we tailor your loan type and structure to align with your strategy.
Don’t let rigid underwriting or low credit scores hold you back. Our programs are built for action-takers who know the market and need a financing partner that works as fast as they do.
We fund private money deals starting at $50,000, making us a great fit for:
We’re not just for big players — we’re here to help everyday investors close with confidence.
Want to know how much you can borrow? Whether you’re working on your next flip or refinancing an investment property, our team is here to help.