DSCR and Bank Statement Real Estate Loans

Keep your tax strategy intact while leveraging your business or property income.

Our manual underwriting allows us to say “yes” to complex self-employed income that traditional banks decline.

Unlock your property’s equity with cash-out refinancing to reinvest in your business or consolidate high-interest debt.

Keep your tax strategy intact while leveraging your business or property income.

Unlock your property’s equity with cash-out refinancing to reinvest in your business or consolidate high-interest debt.

Our manual underwriting allows us to say “yes” to complex self-employed income that traditional banks decline.

Trusted by professional investors & business owners.

When I first contacted Shaman Ajmani at the Coastal Agency, he listened to what I was looking for to refinance my 8 unit apartment complex. He emailed me a list of all the information he needed as soon as possible, and I emailed it back to him in 2 days. Then he just kept on working on my loan from his company and in 3 weeks we were closing. He made my refinancing so easy and at a very good 30-year fixed interest rate.

Larry W

Professional, knowledgeable, and honest. I feel lucky to have contacted Shaman, he is resourceful. Thanks Shaman.

Ed E

The team was patient and got quite creative in getting a unique deal over the finish line. Thanks for taking us in as a client and helping us with our funding.

Rob C

I like to find the best options for everything. I did extensive research and shopped around for the best loan terms possible for my refinances. I reviewed the best options with exactly 28 different lenders, and Shaman Ajmani was able to provide a solution for two of my properties. He was able to work through all the setbacks really quickly. I was very impressed with the knowledge and experience he has; he always responded quickly to my calls/texts/emails, even on Sundays. He was able to get me a lower rate, helped me find insurance, and provided an overall excellent experience. I definitely recommend him and his services. Simply excellence.

Jashiel M

I had a fantastic experience working with Shaman for my loan. He was knowledgeable, responsive, and made the whole process smooth and stress-free. Shaman explained every step clearly and was always available to answer questions. Highly recommended for anyone looking for a reliable and trustworthy loan officer!

Milad A

I recently completed a refinance with Shaman and his team at Coastal Agency, and the entire process exceeded my expectations. From the initial proposal to closing, Shaman was consistently responsive, professional, and thorough. The proposal sheet he sent in advance gave me a strong alternative to consider when the time came, and after comparing his offer with two other agencies, his rates and fees came out the most competitive by far.
Shaman guided me through every step, kept me informed, and ensured everything stayed on track. His team was equally professional and helpful during the coordination of documents and signing.

Ron G

Finance your properties with common-sense lending.

Our programs look at your cash flow, not tax returns.

Trusted by professional investors & business owners.

We know how to close loans

Choose your path. We’ll guide you every step of the way.

Ready to get approved for a purchase or refinance?