Carmel-by-the-Sea is a premier coastal community in Monterey 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 Carmel-by-the-Sea borrowers across fix and flip, rental, and small commercial scenarios.
Carmel-by-the-Sea 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 Carmel-by-the-Sea 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 Carmel Village, Carmel Point, Carmel Highlands, Hatton Fields, Carmel Woods, Mission Fields and adjacent Carmel-by-the-Sea submarkets.
Estimated local median: $1.52M · Typical loan range: $986K – $1.9M · Top program: luxury fix-and-flip and short-term rental DSCR
Most Carmel-by-the-Sea private money loans we fund range from $986K to $1.9M, sized against an estimated local median around $1.52M. Loans outside that range are case-by-case based on parcel and scope.
For Carmel-by-the-Sea, 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 Carmel-by-the-Sea hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Carmel-by-the-Sea.
Yes. DSCR loans are well-suited to Carmel-by-the-Sea's rental market.
Yes. Our DSCR program qualifies Carmel-by-the-Sea 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