Avalon is the only incorporated city on Santa Catalina Island, a coastal resort town whose economy runs almost entirely on tourism, hospitality, and second-home ownership drawn by the harbor, the Casino landmark, and the island's unique lifestyle. Real estate is scarce and tightly held, from cottages and condos in Avalon Hills above the harbor to exclusive gated enclaves like Hamilton Cove, with limited development and island logistics keeping supply constrained and values high. Because visitors flow year-round and lodging is limited, vacation-rental income and hospitality assets carry outsized value in this one-of-a-kind market.
Fidelity Funding provides Avalon investors with direct private capital suited to an island market where conventional financing rarely fits. We underwrite on the asset, funding coastal flips, vacation-rental repositions, hospitality bridge deals, and DSCR loans that qualify on rental income, with closings in 5 to 10 business days. For investors renovating a harbor-view cottage in Avalon Hills or acquiring a short-term rental in Hamilton Cove, our asset-based approach delivers capital where island specifics complicate traditional lending.
Avalon sits at the high end of the California coastal market, where waterfront and bluff-view parcels rarely trade and capital efficiency decides which investors win bids.
Investors active in Avalon typically draw down rehab capital in three to four stages — foundation/structural, MEP, finishes, and final staging — and exit to a custom-buyer sale or short-term rental DSCR refi. Local pocket coverage includes Catalina Harbor, Avalon Hills, Two Harbors, Hamilton Cove and adjacent Avalon submarkets.
Estimated local median: $1.57M · Typical loan range: $1.02M – $1.97M · Top program: luxury fix-and-flip and short-term rental DSCR
Most Avalon private money loans we fund range from $1.02M to $1.97M, sized against an estimated local median around $1.57M. Loans outside that range are case-by-case based on parcel and scope.
For Avalon, our highest-volume program is luxury fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. We are an asset-based lender and can fund Avalon properties where conventional financing struggles with island specifics.
You can. Our DSCR program qualifies on rental income, which suits Avalon's strong, year-round short-term rental demand.
Yes. We offer bridge and small commercial financing for hospitality assets, a core part of Avalon's tourism economy.
Island logistics and scarce comparable sales complicate bank underwriting, so our focus on the asset and business plan keeps deals fundable.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT