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.
For a property in Colma, 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 Downtown Colma, El Camino corridor, Sterling Park, Mission corridor and adjacent Colma submarkets.
Illustrative property value: $1.33M · Illustrative financing range: $865K – $1.66M · Programs to discuss: fix-and-flip and DSCR rental
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 $865K to $1.66M range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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