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.
Del Mar 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 Del Mar 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 Beach Colony, Olde Del Mar, Del Mar Heights, Crest Canyon, Carmel Valley border, Racetrack area and adjacent Del Mar submarkets.
Estimated local median: $1.63M · Typical loan range: $1.06M – $2.04M · Top program: luxury fix-and-flip and short-term rental DSCR
Most Del Mar private money loans we fund range from $1.06M to $2.04M, sized against an estimated local median around $1.63M. Loans outside that range are case-by-case based on parcel and scope.
For Del Mar, 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 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