Daly City hugs the fog-swept ridge just south of San Francisco, an intensely urban Peninsula gateway defined by the dense, look-alike rows of Westlake homes, the Serramonte shopping hub, and hillside neighborhoods like St Francis Heights and Top of the Hill with sweeping city and ocean views. Its housing is dominated by mid-century tract homes and split-levels, many with ground-floor spaces suited to conversion, and BART plus a large commuting population keep the city tightly bound to San Francisco's job market. Affordability relative to the city itself makes Daly City a durable investor target on the immediate Peninsula.
Fidelity Funding lends to Daly City investors as a direct, asset-based private lender, underwriting the property and plan rather than income documents. We fund flips of the ubiquitous mid-century stock, in-law and ADU conversions, and DSCR rentals feeding San Francisco's commuter demand. Lending across California since 2006 with rates from 9.99% and closings in 5 to 10 business days, we give Peninsula investors the speed to win contested deals just over the county line.
Value-add multifamily drives the bulk of investor activity in Daly City, with typical building basis tracking near the $1.26M per-unit benchmark.
We size Daly City bridge loans against in-place income with a realistic stabilization plan that survives both rent-control rules and tenant-relocation logistics. Local pocket coverage includes Westlake, Serramonte, Mission Hills, Hillside, Bayshore, Crocker and adjacent Daly City submarkets.
Estimated local median: $1.26M · Typical loan range: $819K – $1.57M · Top program: value-add multifamily bridge
Most Daly City private money loans we fund range from $819K to $1.57M, sized against an estimated local median around $1.26M. Loans outside that range are case-by-case based on parcel and scope.
For Daly City, our highest-volume program is value-add multifamily bridge. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Daly City's dense mid-century tract stock is ideal for cosmetic-to-full renovation, and we lend to the after-repair value.
We do. Many Daly City homes have ground-floor spaces suited to conversion, which we finance to the projected as-completed value.
Yes. BART and the heavy San Francisco commute sustain strong rental demand, supporting DSCR buy-and-holds.
Typically 5 to 10 business days, which keeps you competitive just south of the San Francisco line.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT