To unlock coal harbor west, you need to create a ten star vehicle. I was also confused when I came to that part.

ummm..the ten star vehicle is definetly right..but how are you supposed to create a ten
star vehicle when ur bank is low to begin with..hmmmmm answer that one

You dont need a 10 star vehicle.
I think it's becuase you havn't done the last photo shot yet. You can do that, by getting
a 6 star Vehicle, then there will appear another star, go take the photo shot, then you
will have to complete one more URL, and it will unlock.

So just get a 6 star vehicle, then the rest is simple.
Good luck :)

Like that guy said, what if you have no type of money in the bank?

Get your car to a 6.0 or higher