Capitola is a premier coastal community in Santa Cruz County, with high-end single-family inventory, strong short-term rental demand, and consistent buyer interest from luxury investors statewide.
Fidelity Funding provides hard money loans, private money, and bridge financing for Capitola borrowers across fix and flip, rental, and small commercial scenarios.
Capitola 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 Capitola 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 Capitola Village, Jewel Box, Depot Hill, Cliffwood Heights and adjacent Capitola submarkets.
Estimated local median: $2.22M · Typical loan range: $1.44M – $2.77M · Top program: luxury fix-and-flip and short-term rental DSCR
Most Capitola private money loans we fund range from $1.44M to $2.77M, sized against an estimated local median around $2.22M. Loans outside that range are case-by-case based on parcel and scope.
For Capitola, 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.
Most Capitola hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Capitola.
Yes. DSCR loans are well-suited to Capitola's rental market.
Yes. Our DSCR program qualifies Capitola short-term rentals using platform income data.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT