Crescent City is the seat of Del Norte County and the last major town on California's coast before Oregon, a working harbor community defined by its fishing fleet, the historic Battery Point Lighthouse, and a dramatic, storm-battered shoreline rebuilt after the 1964 tsunami. The economy leans on the port, timber, the nearby state prison, and gateway tourism for the redwood parks, and its housing stock is modest and affordable, from older homes around Downtown Crescent City to houses near South Beach and along Pebble Beach Drive. Low prices and rugged coastal appeal draw value-seeking buyers and investors from far pricier coastal markets.
Fidelity Funding lends directly across the North Coast, including remote Del Norte County, and understands the affordable, value-add character of Crescent City. Because our loans are asset-based, we underwrite the property and the plan rather than a borrower's income file, and distance from a metro doesn't slow us down. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and offer DSCR loans for the town's steady rental demand. Reach a decision-maker directly at (877) 300-3007.
Coastal access and STR cash flow drive Crescent City pricing — the local median runs around $388K and yield-focused investors here typically blend rehab capital with DSCR refi.
Typical Crescent City projects run 6 to 9 months of runway with rehab draws sequenced around coastal permit timing and contractor availability. Local pocket coverage includes Downtown Crescent City, Battery Point, South Beach, Pebble Beach Drive and adjacent Crescent City submarkets.
Estimated local median: $388K · Typical loan range: $252K – $484K · Top program: fix-and-flip and short-term rental DSCR
Most Crescent City private money loans we fund range from $252K to $484K, sized against an estimated local median around $388K. Loans outside that range are case-by-case based on parcel and scope.
For Crescent City, our highest-volume program is fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. We lend statewide across California, including remote Del Norte County, and our distance from a metro doesn't change our five-to-ten-day timeline.
Absolutely. We fund up to 90% of purchase and up to 100% of rehab, so you can renovate an older coastal home while keeping cash in reserve.
Yes. DSCR loans qualify on the property's rental income, which fits the steady workforce demand from the port, prison, and tourism economy.
We fund from $50K to $50M, covering Crescent City's affordable homes as well as larger commercial or multifamily deals.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT