East Palo Alto sits across Highway 101 from Palo Alto, a densely built city that has transformed as Silicon Valley expanded eastward with the University Village retail and office development and the Facebook and tech campuses just over the Menlo Park line. Its older single-family and small multifamily stock in the Gardens, Ravenswood, and around Downtown EPA offers a rare pocket of relative affordability in the heart of the Peninsula, which draws both value-add investors and buy-and-hold landlords. Proximity to Stanford, the Dumbarton corridor, and some of the region's largest employers keeps rental demand strong even as the housing itself remains modest and often dated.
Fidelity Funding lends directly across the Peninsula, and because our loans are asset-based we size deals on the property and the plan rather than a borrower's W-2 history. That fits East Palo Alto, where investors compete for scarce inventory near enormous job centers. We close in as little as five to seven business days, fund up to 90% of purchase plus rehab, and offer DSCR options for the deep rental demand that Stanford, the tech campuses, and the University Village corridor generate around the Gardens and Ravenswood.
Value-add multifamily drives the bulk of investor activity in East Palo Alto, with typical building basis tracking near the $1.26M per-unit benchmark.
We size East Palo Alto bridge loans against in-place income with a realistic stabilization plan that survives both rent-control rules and tenant-relocation logistics. Local pocket coverage includes Downtown EPA, Gardens, Ravenswood, University Village and adjacent East Palo Alto submarkets.
Estimated local median: $1.26M · Typical loan range: $819K – $1.57M · Top program: value-add multifamily bridge
Most East Palo Alto private money loans we fund range from $819K to $1.57M, sized against an estimated local median around $1.26M. Loans outside that range are case-by-case based on parcel and scope.
For East Palo Alto, our highest-volume program is value-add multifamily bridge. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We fund single-family flips, duplexes and small multifamily, and DSCR rentals across the Gardens, Ravenswood, and Downtown EPA, underwriting the asset and the plan.
The city sits minutes from Stanford, the University Village development, and major tech campuses, so tenant demand stays deep even for modest, older homes.
As fast as five to seven business days once title and appraisal clear, which helps investors win scarce inventory in this competitive Peninsula pocket.
Yes. Duplexes and small apartment buildings are common here, and our DSCR and multifamily programs qualify on property cash flow rather than personal tax returns.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT