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.
For a property in Daly City, 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 Westlake, Serramonte, Mission Hills, Hillside, Bayshore, Crocker and adjacent Daly City submarkets.
Illustrative property value: $1.26M · Illustrative financing range: $819K – $1.57M · Programs to discuss: value-add multifamily bridge
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 $819K to $1.57M range below is an illustration, not funded-loan history or an offer.
Options to discuss include value-add multifamily bridge, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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