Albany is a small, walkable East Bay city between Berkeley and El Cerrito, prized for its top schools and the shop-lined Solano Avenue corridor that gives the town its village feel. Its economy leans on small retail, proximity to UC Berkeley, and a residential base that values compact, transit-friendly living near San Pablo Avenue. The housing stock is largely pre-1950 bungalows and cottages on modest lots, with hillside homes climbing Albany Hill, and investors chase the premium that school-seeking families pay for renovated character homes in a genuinely supply-constrained market.
Fidelity Funding lends directly across the East Bay, underwriting the asset and the plan rather than income documents, which fits Albany's older, closely held housing. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and offer DSCR loans for the durable rental demand tied to Berkeley and the broader Bay Area. Whether you are modernizing a bungalow near the Solano corridor, adding an ADU behind a Memorial Park home, or holding a rental near San Pablo Avenue, our capital matches the pace of a tight, school-driven market.
For a property in Albany, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Solano corridor, San Pablo corridor, Albany Hill, Memorial Park and adjacent Albany submarkets.
Illustrative property value: $1.04M · Illustrative financing range: $679K – $1.31M · Programs to discuss: fix-and-flip and DSCR rental
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $679K to $1.31M range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
We lend on bungalow and cottage flips, ADU projects, small multifamily, and DSCR rentals along the Solano and San Pablo corridors and near Albany Hill, all on an asset basis.
Yes. Even on modest lots, an ADU can pencil given strong Berkeley-adjacent rents, and our rehab and construction programs cover up to 100% of rehab costs.
Top schools, UC Berkeley proximity, and a walkable core drive steady tenant demand, and our DSCR program qualifies properties on that rental income.
Typically five to ten business days once title and appraisal clear, which helps in a market where quality listings are scarce.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT