Capitola is a picturesque beach village on Monterey Bay, one of California's oldest seaside resort towns, known for the colorful Venetian Court, the wharf, and the walkable Capitola Village lining Soquel Creek where it meets the sand. The housing stock is scarce and coveted, from the tiny, brightly painted cottages of the Jewel Box to the coveted bluff-top homes on Depot Hill and the hillside lots of Cliffwood Heights. Strong second-home and vacation-rental demand, paired with a hard cap on new supply, keeps every well-located property a genuine opportunity.
Fidelity Funding lends directly across California, and our asset-based approach fits a market this scarce and high-value. We underwrite the property and the exit rather than an income file, and close in five to ten business days. Whether an investor is renovating a Jewel Box cottage, bridging a Depot Hill bluff-top purchase, or holding a Village vacation rental on DSCR terms, our capital keeps pace where a single hesitation can lose a rare listing to a cash buyer.
For a property in Capitola, 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 Capitola Village, Jewel Box, Depot Hill, Cliffwood Heights and adjacent Capitola submarkets.
Illustrative property value: $2.22M · Illustrative financing range: $1.44M – $2.77M · 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 $1.44M to $2.77M 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. The beach village draws strong short-term rental demand, and our DSCR loans can be sized on the property's rental income rather than personal income.
When inventory is this scarce, speed wins listings. Our loans close in as little as five to seven business days, letting you compete with cash buyers.
Absolutely. With loans up to $50M, we can size financing for premium Depot Hill and Cliffwood Heights properties.
Yes, the compact Jewel Box cottages are strong value-add candidates, and we cover up to 100% of rehab costs on an asset basis.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT