Encinitas is a premier coastal community in San Diego County, with high-end single-family inventory, strong short-term rental demand, and consistent buyer interest from luxury investors statewide.
Fidelity Funding provides hard money loans, private money, and bridge financing for Encinitas borrowers across fix and flip, rental, and small commercial scenarios.
Encinitas 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 Encinitas 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 Old Encinitas, New Encinitas, Leucadia, Cardiff-by-the-Sea, Olivenhain, Village Park and adjacent Encinitas 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 Encinitas 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 Encinitas, 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.
Most Encinitas hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Encinitas.
Yes. DSCR loans are well-suited to Encinitas's rental market.
Yes. Our DSCR program qualifies Encinitas short-term rentals using platform income data.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT