Colma is a tiny, unusual town on the northern Peninsula known primarily for its cemeteries and its concentration of auto dealerships and big-box retail along the El Camino Real corridor. The living population is small, clustered near Downtown Colma and the Sterling Park pocket that blends into neighboring Daly City, while the town's economy leans heavily on commercial land, retail, and the Mission and El Camino corridors that funnel traffic from San Francisco down the Peninsula. That commercial orientation makes Colma a market where investor activity centers on small commercial, retail repositioning, and infill more than large residential tracts, though nearby residential demand from the dense northern Peninsula supports the housing that does exist.
Fidelity Funding is a direct, asset-based lender, so a Colma investor works with the decision-maker rather than a loan committee. We underwrite the property and the plan, close in five to ten business days, and offer bridge, small commercial, and DSCR programs suited to a corridor-driven market. Whether you are repositioning a retail parcel on El Camino, bridging a commercial acquisition near the Mission corridor, or holding a rental in Sterling Park, our capital moves at the pace this compact, commerce-heavy town requires.
Colma is a steady California submarket where owner-user comp sets are clean, appraisals turn quickly, and $1.33M-band fix-and-flip inventory absorbs reliably.
Investor exits in Colma skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $1.33M median for downside protection. Local pocket coverage includes Downtown Colma, El Camino corridor, Sterling Park, Mission corridor and adjacent Colma submarkets.
Estimated local median: $1.33M · Typical loan range: $865K – $1.66M · Top program: fix-and-flip and DSCR rental
Most Colma private money loans we fund range from $865K to $1.66M, sized against an estimated local median around $1.33M. Loans outside that range are case-by-case based on parcel and scope.
For Colma, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Given the town's commercial character, most activity centers on small commercial and retail repositioning along El Camino and the Mission corridor, with some residential in Sterling Park.
Yes. We offer bridge and small commercial loans to acquire and reposition retail and mixed-use frontage along Colma's high-traffic corridors.
Typically five to ten business days once title and appraisal clear, since as a direct lender we make our own underwriting decisions.
The residential pool is small but supported by dense northern Peninsula demand, and our DSCR loans qualify on property cash flow rather than personal income.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT