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.
For a property in Avalon, 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 Catalina Harbor, Avalon Hills, Two Harbors, Hamilton Cove and adjacent Avalon submarkets.
Illustrative property value: $1.57M · Illustrative financing range: $1.02M – $1.97M · Programs to discuss: luxury fix-and-flip and short-term rental DSCR
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 $1.02M to $1.97M range below is an illustration, not funded-loan history or an offer.
Options to discuss include luxury fix-and-flip and short-term rental DSCR, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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