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Hard Money Loans in Brisbane, California

Brisbane is a small, quirky hillside town tucked against San Bruno Mountain just south of San Francisco, with eclectic homes stepping up steep streets above Downtown Brisbane and the semi-rural, larger-lot Brisbane Acres above them. Its location off Highway 101 puts it minutes from the city and the airport, and the Sierra Point office and biotech campus along the bay anchors local employment. The housing stock is varied and often idiosyncratic, from vintage cottages near Crocker Park to custom hillside builds, which suits investors who value character properties and view lots rather than cookie-cutter tracts. Redevelopment pressure at the Baylands adds a longer-term commercial storyline.

Fidelity Funding is a direct, asset-based lender, so a Brisbane investor deals with the decision-maker rather than a distant underwriter. We size the loan on the property and the plan, not on tax returns, and we typically close in five to ten business days. Whether you are renovating a hillside cottage below Brisbane Acres, adding an ADU on a larger lot, or bridging a Sierra Point-adjacent acquisition, our capital moves with the speed this tight, character-driven market near San Francisco demands.

Brisbane Market Brief

For a property in Brisbane, 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 Downtown Brisbane, Brisbane Acres, Crocker Park, Sierra Point and adjacent Brisbane submarkets.

Brisbane Lending Notes

  • Verify zoning, permit requirements, and any rental restrictions with the relevant local authority
  • Obtain current comparable sales and a property-specific valuation
  • Confirm loan terms, reserves, and a realistic repayment plan before committing

Illustrative property value: $1.33M · Illustrative financing range: $865K – $1.66M · 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.

Brisbane Lender FAQs

How is a loan amount determined in Brisbane?

Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $865K to $1.66M range below is an illustration, not funded-loan history or an offer.

Which loan programs can I discuss for Brisbane?

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.

Key Facts

  • Renovation loans for eclectic Brisbane hillside homes
  • ADU construction capital for larger Brisbane Acres lots
  • Bridge financing near the Sierra Point corridor
  • Fast closings minutes from San Francisco and SFO
  • Up to 90% of purchase plus 100% of rehab costs
  • Asset-based underwriting for character view properties

Frequently Asked Questions

What Brisbane properties do you lend on?

We fund hillside single-family flips, ADU additions, and bridge deals from Downtown Brisbane and Crocker Park up through the larger Brisbane Acres lots.

Are the larger Brisbane Acres lots good for ADUs?

Yes. The semi-rural Acres lots offer room for detached ADUs, and our programs cover up to 100% of construction costs to add rentable square footage.

How fast can you close in Brisbane?

Typically five to ten business days, and as fast as five to seven once title and appraisal clear, since we are a direct lender making our own decisions.

Why do investors target character homes here?

Brisbane's eclectic hillside stock and views so close to San Francisco reward thoughtful renovation, and we underwrite the asset and exit rather than income documentation.

Get a California Term Sheet Today

Fidelity Funding Corp · Direct California private money lender since 2006

(877) 300-3007

450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT

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