About
Josiah Diaz and The Capital Shop
From top producer to dealmaker.
Josiah Diaz got into the mortgage business and climbed fast. He became a top producer at the companies he worked for and was running his own branch within two years.
Most loan officers stop at the rate sheet. Josiah kept going. He got into development, commercial and residential fix and flip, and investing his own money, then started raising capital from others. Every deal taught him something a lending desk never would: how sellers carry paper, how partners split the stack, how bridge money buys time, and how the right structure turns a no into a closed deal.
He's sat on every side of the table: lender, borrower, investor, and capital raiser. The Capital Shop is built on that. Understand the deal, find the money that fits it, and get it closed.
How we work
Numbers before promises
We underwrite your deal the way a lender will before we say a word about terms. If it doesn't pencil, you hear it from us first.
The right lender for the deal
We're a brokerage, not a direct lender, so we're not stuck selling one product. We match the deal to programs built for it.
Partners are part of the deal
The realtors, loan officers, and investors who bring us deals get kept in the loop and get credit for the relationship. That's how a network stays worth belonging to.
Responsible evaluation
We'd rather tell you a deal is too thin than put you in a loan that doesn't work. Every scenario gets stress-tested on cash flow, leverage, and exit.
Business-purpose focus
Investment and commercial financing is all we do, so our time and our lender relationships go to the deals we know best.
Straight answers
Yes, no, or here's what it would take. Fast answers save everyone time, especially when a deal is under contract.