El Cerrito is an established suburban market in Contra Costa County with strong owner-user and investor demand, deep single-family inventory, and steady rental absorption.
Fidelity Funding provides hard money loans, private money, and bridge financing for El Cerrito borrowers across fix and flip, rental, and small commercial scenarios.
El Cerrito fits the classic suburban California fix-and-flip profile: a $808K median, predictable comp sets, and a deep first-time-buyer pool.
Most El Cerrito loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes El Cerrito Hills, Mira Vista, Richmond Annex, Del Norte and adjacent El Cerrito submarkets.
Estimated local median: $808K · Typical loan range: $525K – $1.01M · Top program: fix-and-flip and DSCR rental
Most El Cerrito private money loans we fund range from $525K to $1.01M, sized against an estimated local median around $808K. Loans outside that range are case-by-case based on parcel and scope.
For El Cerrito, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most El Cerrito hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in El Cerrito.
Yes. DSCR loans are well-suited to El Cerrito's rental market.
Yes. We regularly close El Cerrito loans under LLCs and other corporate entities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT