Dana Point is a south Orange County coastal city organized around its landmark harbor, the luxury Monarch Beach resort corridor, and the revitalized, walkable Lantern District downtown. From the oceanfront estates of Ritz Cove and Monarch Beach to the surf-town character of Capistrano Beach and the bluff-top homes of Dana Hills, the market blends resort-grade luxury with genuine beach-community appeal. Scarce coastal inventory, a major harbor revitalization, and strong tourism keep values high and investor interest sharp, particularly for aging homes with ocean-view or rebuild upside.
As a direct, asset-based lender, Fidelity Funding provides the fast, sizable capital Dana Point's coastal deals demand — closing in five to ten business days and lending up to $50M on the asset while jumbo banks move slowly. Older Capistrano Beach and Dana Hills homes reward high-end renovation and view-maximizing rebuilds, and the harbor-and-resort tourism supports short-term rental potential where permitted. Our fix-and-flip, construction, bridge, and DSCR programs fit this premium coastal market.
For a property in Dana Point, 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 Monarch Beach, Lantern District, Niguel Shores, Capistrano Beach, Dana Hills, Ritz Cove and adjacent Dana Point submarkets.
Illustrative property value: $2.04M · Illustrative financing range: $1.32M – $2.54M · Programs to discuss: luxury fix-and-flip and short-term rental DSCR
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 $1.32M to $2.54M range below is an illustration, not funded-loan history or an offer.
Options to discuss include luxury fix-and-flip and short-term rental DSCR, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. Our loans reach up to $50M, matching values from Monarch Beach and Ritz Cove to bluff-top Dana Hills homes. We underwrite the asset and exit strategy.
Absolutely. View-maximizing rebuilds are common, and our construction program funds ground-up and major renovation projects with draws tied to completed work.
The harbor and resort tourism support STR demand where local regulations allow it. We can factor that income into the hold plan, though investors should confirm current city rules.
Typically five to ten business days. As a direct lender we control underwriting, which matters on scarce, competitive coastal inventory.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT