Coast 2 Coast Mortgage Andy Gaab

The Menu

Every loan on the shelf. One advisor accountable for all of it.

Coast 2 Coast Mortgage's full platform — commercial to conventional — run by Andy Gaab, who gathers everything upfront, pre-underwrites in-house, and answers his own phone seven days a week. Every product below starts with the same two-minute conversation.

Commercial & Investment

Commercial Real Estate Loans Retail, office, warehouse, apartments, self-storage and more — to $20M+ at up to 75% LTV.
Multi-Family & Mixed-Use 5+ unit apartment buildings and mixed-use properties, financed on the asset's income.
DSCR & Investor Loans 1–4 unit rentals qualified on the property's rent — no tax returns, close in an LLC.
Short-Term Rental Loans Airbnb/VRBO financing to $3M — qualify on AirDNA projections or 12 months of rental history.
PadSplit & Co-Living Loans Room-by-room rental financing for converted living spaces, up to 80% LTV on purchase.
Foreign National Loans U.S. property for international buyers — no U.S. credit history required, foreign income accepted.
Bridge & Gap Financing Short-term capital that keeps a time-critical deal moving while permanent financing completes.

This is Andy's specialty lane — the full story is on the commercial lending page.

Build & Renovate

Construction-to-Permanent Ground-up builds with one closing — land, draws and permanent mortgage in a single loan.
Renovation — FHA 203(k) & HomeStyle Buy the dated property and finance the remodel in one mortgage, sized on the finished value.

Buy a Home

Conventional Loans From 3% down — the essentials, shopped across wholesale lenders.
FHA Loans 3.5% down and flexible credit — the most forgiving path to a yes.
VA Loans Zero down, no monthly mortgage insurance, for the people who earned it.
Jumbo Loans Above-conforming lending for farms, acreage and luxury properties.
Self-Employed & Bank Statement Qualified on 12–24 months of real deposits, not the tax return your CPA optimized.
First-Time Buyer & Hometown Heroes Low-down programs plus Florida down-payment assistance where it applies.

Equity & Refinance

HELOC & Second Mortgages Tap equity without giving up the low rate on your first mortgage.
Reverse Mortgage Home equity for 62+, explained like an adult — including when the answer is no.
Refinance Rate, term, or equity access — modeled against a real breakeven first.

Not sure which door is yours? That's normal — programs overlap, and the cheapest fit isn't always the obvious one. Five minutes on the phone with Andy beats an hour of tab-hopping: (352) 615-8185, or start a pre-approval — it touches nothing on your credit.

No pressure, no credit pull

Run your loan scenario by Andy.

Most scenarios are more solvable than the internet makes them look — and the genuinely hard ones deserve a straight answer fast. Send Andy the shape of yours; he reviews it personally and gets back to you the same day, seven days a week.

Call / Text(352) 615-8185
Emailandrew@coast2coastml.com
ApplyFull application (secure portal)

Ready to go all-in right now? Start the full loan application →Secure Coast 2 Coast Mortgage portal — SSN and documents are handled there, never on this site.

🔒 This form starts a conversation, not an application — your credit and SSN stay untouched until you decide to apply. Equal Housing Opportunity. Andrew Gaab, NMLS #2761701 · Coast 2 Coast Mortgage, NMLS #376205.

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