Del Mar is a tiny, exclusive San Diego County beach city famous for its racetrack and summer fairgrounds, its walkable village of boutiques and restaurants, and the coveted oceanfront Beach Colony. From the historic streets of Olde Del Mar to the bluff-top homes of Del Mar Heights and the Carmel Valley border, the market is defined by scarce land, dramatic ocean views, and some of the highest per-acre coastal values in the county. The seasonal draw of the racetrack and fairgrounds adds a distinctive short-term rental dynamic on top of already fierce affluent demand.
As a direct, asset-based lender, Fidelity Funding provides the fast, sizable capital Del Mar's luxury coastal deals require — closing in five to ten business days and lending up to $50M on the asset while jumbo underwriting lags. Older Olde Del Mar and Beach Colony homes reward high-end, view-maximizing renovations and rebuilds, and the racetrack-and-fairgrounds season supports premium short-term rentals where permitted. Our fix-and-flip, construction, and bridge programs are built for this ultra-premium coastal market.
For a property in Del Mar, 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 Beach Colony, Olde Del Mar, Del Mar Heights, Crest Canyon, Carmel Valley border, Racetrack area and adjacent Del Mar submarkets.
Illustrative property value: $1.63M · Illustrative financing range: $1.06M – $2.04M · 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 $1.06M to $2.04M 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 the ultra-premium values from Beach Colony to Del Mar Heights. We underwrite the asset and exit strategy.
It can. The summer racing and fairgrounds season drives seasonal demand that supports premium short-term rentals where local rules allow, adding to a hold strategy.
Absolutely. View-maximizing rebuilds are common on scarce Del Mar lots, and our construction program funds them with draws tied to completed work.
Speed and certainty. Jumbo conventional financing is slow, while our direct, asset-based approach closes in five to ten business days on scarce, competitive coastal 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