Concord is the largest city in Contra Costa County, a suburban hub built around the Todos Santos Plaza downtown, two BART stations, and the redevelopment of the former Naval Weapons Station into thousands of future homes. Its housing is dominated by 1950s-70s ranch tracts across Sun Terrace and Holbrook Heights, with newer and larger homes in Crystyl Ranch and the Clayton Valley foothills near Lime Ridge. As a relatively affordable inland alternative to the pricier Highway 24 corridor, Concord draws commuters and first-time buyers, keeping steady demand for both starter rentals and updated homes.
Fidelity Funding backs Concord investors as a direct, asset-based lender, funding the deal on its merits rather than a stack of income paperwork. We finance flips of aging tract homes, ADU additions on the area's roomy lots, and DSCR rentals near the BART lines feeding into the wider Bay Area. Operating statewide since 2006 with rates from 9.99% and closings in 5 to 10 business days, we give Contra Costa investors the speed to lock in off-market deals and the flexibility to hold or exit as planned.
For a property in Concord, 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 Todos Santos, Dana Estates, Crystyl Ranch, Lime Ridge, Clayton Valley, Oakhurst and adjacent Concord submarkets.
Illustrative property value: $808K · Illustrative financing range: $525K – $1.01M · 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 $525K to $1.01M 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.
Yes. Concord's 1950s-70s ranch tracts in areas like Sun Terrace and Holbrook Heights are exactly the dated inventory our fix-and-flip loans target.
It is. Two BART stations make Concord attractive to commuters, supporting steady DSCR rental demand at accessible price points.
Many Concord lots are generous enough for detached ADUs or conversions, which we finance to the projected as-completed value.
We generally close in 5 to 10 business days, helping you compete for off-market Concord opportunities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT