Luxury Waterfront
Investment Loans
Done Right.

Prime Coastal Funding connects savvy real estate investors with high-income Florida waterfront, beach front, Air B&B, VRBO, vacation rental properties, condos, and condo-hotels — financed with speed, precision, and expert service.

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FL
State Served
Low Minimum Down Payment
Fast Closings
No Tax Returns Needed
DSCR Specialists
Our Programs

Loan Programs

Fix & Flip

Short-term financing for acquisition and renovation

New Construction

Ground-up financing for new development projects

DSCR Rental

Income-based loans — no tax returns required

Bridge

Fast capital to bridge the gap between transactions

Who We Are

Exclusive Financing for Florida's Most Distinguished Investment Properties

We provide institutional-grade financing for Florida's premier investment property market, delivering capital directly to individual investors. By structuring our loans around property income rather than personal tax returns, we ensure your portfolio grows without the friction of traditional banking.

No Income Docs

Qualify using rental income, not W-2s or tax returns.

Fast Closings

Same day approvals

LLC Lending

Borrow in the name of your LLC to protect personal assets.

Unlimited Properties

No cap on the number of properties in your portfolio.

Start Your Investment Journey
What We Offer

Investment Loan Programs

A full suite of investor financing solutions tailored for Real Estate Investors, Entrepreneurs, and Property Managers.

DSCR Purchase Loans

Buy Florida waterfront rental properties using the property's debt service coverage ratio — no tax returns, no W-2s, no hassle.

Most Popular

Cash-Out Refinance

Access gained equity from existing investment properties to fund renovations, acquisitions, or portfolio expansion.

Unlimited Cash-Out

Short-Term Rental (STR)

Finance Airbnb, VRBO, and vacation rental properties using projected short-term rental income.

Airbnb-Friendly

DSCR Loans

Secure Florida's premier real estate with specialized DSCR financing up to $3.5 million

Up to $3.5M

Rate & Term Refinance

Secure a more competitive rate or better loan structure on your existing Florida investment property.

Better Terms

LLC Entity Financing

Shield your personal finances by borrowing through your LLC. Our entity-based lending allows you to scale your portfolio while keeping your private assets fully protected.

Asset Protection
Common Questions

Frequently Asked Questions

Straightforward answers about DSCR loans, Florida investment properties, and how Prime Coastal Funding works.

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A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income of the property rather than your personal income or tax returns. A DSCR above 1.0 means the property earns more than enough to cover the mortgage payment.
No. DSCR loans require no tax returns, W-2s, or pay stubs. Approval is based entirely on the property's rental income and your credit profile — perfect for self-employed borrowers and investors with significant write-offs.
Qualified borrowers with a 700+ FICO score can put as little as 15% down. Most programs require 20–25% down. Higher down payments typically result in better interest rates. Contact us to discuss your specific scenario.
Yes. DSCR loans work for both short-term rentals (Airbnb, VRBO) and long-term rentals. Florida's coastal vacation rental market is one of the strongest in the US. A minimum DSCR of 0.75 and 640+ credit score are typically required.
Absolutely. DSCR loans can be structured in the name of your LLC, LP, or revocable trust — protecting personal assets and keeping the loan off personal credit reports.
No. Unlike conventional loans which cap you at 6–10 financed properties, DSCR loans have no such limit. Whether you have 2 properties or 20, Prime Coastal Funding can keep financing your growth.
We offer same day approvals. Our team works efficiently to give you a competitive edge in Florida's active waterfront market where properties move quickly.
Get In Touch

Start Your Florida Investment Journey

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(555) 010-2026

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