Del Rey Oaks is a quiet, oak-shaded residential city tucked between Seaside, Monterey, and the former Fort Ord lands on the Monterey Peninsula. One of the smallest cities in the county, it is almost entirely residential, with mid-century homes lining streets like Carlton Drive, Rosita, Calle de Robles, and Angelus Way near Frog Pond Wetland Preserve. Its central location gives residents quick access to Monterey jobs, Highway 1, and the coast while offering a more affordable, tucked-away alternative to the pricier peninsula towns. The stable, owner-occupant character and limited turnover make it a market where well-executed renovations and quiet buy-and-hold rentals both perform.
Fidelity Funding is a direct, asset-based lender, so a Del Rey Oaks investor works with the people who make the decision. We underwrite the property and the exit rather than a thick income file, and we close in five to ten business days. Whether you are updating a mid-century home on Carlton Drive, adding an ADU on a Rosita-area lot, or holding a peninsula rental on a DSCR loan, our capital keeps pace with this tightly held residential market.
For a property in Del Rey Oaks, 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 Carlton Drive, Rosita, Calle de Robles, Angelus Way and adjacent Del Rey Oaks submarkets.
Illustrative property value: $779K · Illustrative financing range: $506K – $974K · Programs to discuss: fix-and-flip and DSCR rental
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 $506K to $974K range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
We lend on single-family flips, ADU projects, small multifamily, and DSCR rentals across Carlton Drive, Rosita, Calle de Robles, and Angelus Way. Mid-century homes and updated properties both qualify on an asset basis.
Yes. The strong peninsula rental market makes ADUs attractive on suitable lots, and our construction and rehab programs cover up to 100% of rehab costs so you can add rentable square footage.
Its central peninsula location gives easy access to Monterey jobs and the coast at prices below neighboring towns, and low turnover means well-renovated homes resell to a steady owner-occupant pool.
As fast as five to seven business days once title and appraisal clear. As a direct lender, we move quickly in this low-inventory residential market.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT