Financing for Shared Housing Investments
PadSplit Loans are designed for investors who want to purchase or refinance properties intended for co-living arrangements, where tenants rent individual rooms rather than the entire home. This financing option helps you maximize rental income by catering to the growing demand for affordable shared housing.
Optimized for Higher Cash Flow
By supporting a room-by-room rental model, PadSplit Loans allow investors to generate significantly more income compared to traditional single-family rentals. The higher rental yield can make it easier to cover mortgage payments, build equity, and achieve strong monthly cash flow.
Flexible Property and Occupancy Guidelines
These loans are structured with the unique needs of shared housing in mind, offering flexibility in property types, occupancy rules, and income calculation methods. Whether you’re converting an existing home or buying a new property, PadSplit Loans can be tailored to fit your investment plan.
"The Coast2Coast Advantage"
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From VA and FHA to DSCR, jumbo, and niche investment programs, we have a solution for every borrower.
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Licensed in Arizona, Arkansas, Washington, and Idaho with insights into each market.
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We work to secure the best terms possible while keeping costs manageable.
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Clear communication, fast turnaround, and guidance at every step.
Supporting Affordable Housing Solutions
With the cost of housing on the rise, PadSplit properties provide a much-needed solution for renters seeking budget-friendly accommodations. PadSplit Loans not only benefit investors but also help create sustainable, affordable living opportunities in your community.
Why Homebuyers & Investors Choose David Kulick – Coast2Coast Mortgage
With David Kulick – Coast2Coast Mortgage, we believe finding the right mortgage should be simple, transparent, and tailored to you. Whether you’re purchasing your first home, refinancing for better terms, or building an investment portfolio, we provide the expertise and loan options to make it happen.
We are known for
Unmatched Customer Service
Creative Financing Solutions
Speed & Efficiency
Trust & Transparency
"FAQs"
We offer a wide range of programs including VA Loans, FHA Loans, Conventional Loans, DSCR Programs, Short-Term Rental Loans, Jumbo Loans, USDA Loans, Self-Employed Loans, Pad Split Loans, and Foreign National Loans.
No. We work with borrowers across a wide credit spectrum and can recommend programs designed for those with less-than-perfect credit.
On average, most loans close within 30 days, but timelines can vary depending on the loan type and your readiness with required documentation.
We are currently licensed in Arizona, Arkansas, Washington, and Idaho, with deep expertise in each market’s unique lending requirements.
The easiest way is to contact us for a free consultation. We’ll review your goals, discuss your options, and guide you toward the best financing solution.
Your Mortgage, Your Way
With David Kulick – Coast2Coast Mortgage, we believe your financing should fit your life, not the other way around. That’s why we offer customized mortgage solutions designed around your goals, budget, and timeline. Whether you’re a first-time buyer, a seasoned investor, or refinancing for better terms, we tailor every detail to ensure your loan works for you—today and for years to come.
