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.
Dana Point sits at the high end of the California coastal market, where waterfront and bluff-view parcels rarely trade and capital efficiency decides which investors win bids.
Investors active in Dana Point typically draw down rehab capital in three to four stages — foundation/structural, MEP, finishes, and final staging — and exit to a custom-buyer sale or short-term rental DSCR refi. Local pocket coverage includes Monarch Beach, Lantern District, Niguel Shores, Capistrano Beach, Dana Hills, Ritz Cove and adjacent Dana Point submarkets.
Estimated local median: $2.04M · Typical loan range: $1.32M – $2.54M · Top program: luxury fix-and-flip and short-term rental DSCR
Most Dana Point private money loans we fund range from $1.32M to $2.54M, sized against an estimated local median around $2.04M. Loans outside that range are case-by-case based on parcel and scope.
For Dana Point, our highest-volume program is luxury fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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