Arcata is a coastal market in Humboldt County with steady year-round demand, strong rental absorption, and consistent investor activity across single-family and small commercial product.
Fidelity Funding provides hard money loans, private money, and bridge financing for Arcata borrowers across fix and flip, rental, and small commercial scenarios.
Arcata blends a working coastal community with a steady second-home buyer pool, creating consistent absorption for renovated inventory in the $531K range.
Most Arcata loans we fund are sized for cosmetic-plus-kitchens rehabs, with an STR DSCR refi takeout sized to peak-season nightly rates. Local pocket coverage includes Downtown Arcata, Plaza, Sunny Brae, Cal Poly Humboldt area and adjacent Arcata submarkets.
Estimated local median: $531K · Typical loan range: $345K – $664K · Top program: fix-and-flip and short-term rental DSCR
Most Arcata private money loans we fund range from $345K to $664K, sized against an estimated local median around $531K. Loans outside that range are case-by-case based on parcel and scope.
For Arcata, our highest-volume program is fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most Arcata hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Arcata.
Yes. DSCR loans are well-suited to Arcata's rental market.
Yes. We regularly close Arcata loans under LLCs and other corporate entities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT