Carmel-by-the-Sea is an iconic, fairy-tale coastal village on the Monterey Peninsula, famous for its storybook cottages, white-sand beach, walkable Carmel Village of galleries and inns, and an absence of street addresses that reinforces its exclusivity. The housing is among the most sought-after in California, from cottages in the Golden Rectangle to oceanfront estates along Scenic Road and Carmel Point, plus prestigious enclaves like Hatton Fields and Carmel Highlands. World-class golf, art, and tourism draw an ultra-affluent buyer pool and constant visitor demand, keeping values and short-term-rental interest exceptionally high across this tightly held village.
As a direct, asset-based lender, Fidelity Funding funds Carmel investors on the deal rather than income documents, comfortable with the market's luxury price points. We finance high-end coastal flips and restorations, vacation-rental acquisitions where permitted, and estate remodels, with loan amounts to $50M. Lending across California since 2006 with fast closings in 5 to 10 business days and discreet underwriting, we give Peninsula investors the capital and speed to compete for Carmel's rare, high-value inventory.
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.
Yes. We are comfortable with Carmel's premium tiers and fund cottage restorations and estate remodels in areas like the Golden Rectangle and Carmel Point up to $50M.
Short-term rentals are tightly regulated locally, so we underwrite compliant income scenarios and do not provide legal advice on permitting.
We fund high-value coastal estates with appropriate documentation, lending to the after-repair or as-completed value.
We underwrite on the asset and exit rather than income documents, which suits investors moving quickly on rare Carmel property.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT