Belmont climbs the wooded Peninsula hills between San Mateo and San Carlos, a midpeninsula suburb prized for its Caltrain access, top schools, and quick commute to both San Francisco and Silicon Valley. Much of the housing is postwar, from the flatter Sterling Downs and Hallmark tracts to the view homes stepping up Belmont Heights and around Belmont Park and Water Dog Lake. That mix of hillside vintage homes and steady owner-occupant demand from tech families gives investors real value-add opportunity, especially where dated kitchens and baths sit on lots with commanding bay and canyon views. Notre Dame de Namur University and the redeveloped downtown near Ralston Avenue add depth to the local economy.
Fidelity Funding is a direct, asset-based lender, so a Belmont investor works directly with the people who fund the loan. We underwrite the property and the plan, not a stack of W-2s, and we typically close in five to ten business days. Whether you are updating a Belmont Heights view home, adding an ADU on a Sterling Downs lot, or holding a DSCR rental for the Caltrain commuter pool, our capital keeps pace with this competitive midpeninsula market.
Belmont fits the classic suburban California fix-and-flip profile: a $1.33M median, predictable comp sets, and a deep first-time-buyer pool.
Most Belmont loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes Belmont Heights, Hallmark, Sterling Downs, Belmont Park and adjacent Belmont submarkets.
Estimated local median: $1.33M · Typical loan range: $865K – $1.66M · Top program: fix-and-flip and DSCR rental
Most Belmont private money loans we fund range from $865K to $1.66M, sized against an estimated local median around $1.33M. Loans outside that range are case-by-case based on parcel and scope.
For Belmont, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We fund hillside single-family flips, ADU additions, and small multifamily across Belmont Heights, Sterling Downs, and Hallmark, underwriting the asset and exit plan.
Yes. Updated finishes on dated Belmont Heights homes let sellers capture the premium buyers pay for bay and canyon views, and we fund up to 100% of rehab costs.
As fast as five to seven business days once title and appraisal clear, which keeps pace with the competitive tech-family buyer market on the Caltrain line.
They can. Rents are supported by Caltrain commuters and strong school demand, and our DSCR loans qualify on property cash flow rather than personal income.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT