Emeryville is a compact urban city between Oakland and Berkeley, remade from an industrial past into a dense hub of biotech, Pixar, tech offices, and the Bay Street retail-and-residential district. Its economy is jobs-rich and transit-connected via the Amtrak station and the free Emery Go-Round shuttle, and the housing stock skews toward converted lofts, mid-rise condos, and newer multifamily, with pockets of older homes near the Park Avenue District and the Triangle. Investors are drawn by dense employment-driven rental demand, the appeal of live-work loft product, and the mixed-use redevelopment that continues to reshape the small city.
Fidelity Funding lends directly across the East Bay urban core, underwriting the asset and the business plan rather than a borrower's income documents. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and offer DSCR, multifamily, and small commercial programs suited to Emeryville's mixed-use character. Whether you are renovating a Watergate condo, repositioning a Triangle multifamily building, or holding a rental near Bay Street, our capital matches the pace of a jobs-driven urban market.
Emeryville is a dense California submarket where rent control, zoning analysis, and tenant relocations factor into every multifamily underwriting file.
Investor exits in Emeryville typically run 18 to 36 months from acquisition through stabilization to permanent refi or sale. Local pocket coverage includes Bay Street, Watergate, Triangle, Park Avenue District and adjacent Emeryville submarkets.
Estimated local median: $990K · Typical loan range: $644K – $1.24M · Top program: value-add multifamily bridge
Most Emeryville private money loans we fund range from $644K to $1.24M, sized against an estimated local median around $990K. Loans outside that range are case-by-case based on parcel and scope.
For Emeryville, our highest-volume program is value-add multifamily bridge. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on lofts, condos, small multifamily, mixed-use, and DSCR rentals across Bay Street, Watergate, the Triangle, and the Park Avenue District on an asset basis.
Yes. Our multifamily and small commercial programs suit Emeryville's mixed-use character, sized from $50K up to $50M depending on the asset.
A dense concentration of biotech, tech, and retail jobs in a small city drives steady renter demand, and our DSCR loans qualify on that rental income.
Typically five to ten business days once title and appraisal clear, because we make the lending decision in-house.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT