Gilroy anchors the agricultural south end of Santa Clara County, famous as the Garlic Capital and shaped by farmland, the Gilroy Premium Outlets, and a Caltrain-and-101 commuter link that ties it to Silicon Valley jobs. The housing stock spans historic downtown homes, 1980s and 1990s tracts, and the golf-oriented Eagle Ridge and master-planned Glen Loma communities, with the San Ysidro area reflecting the city's older agricultural roots. Investors are drawn by prices well below the north-valley core and by demand from families and commuters who accept the drive for space and relative affordability in a still-growing South Valley market.
Fidelity Funding lends directly across the South Valley, underwriting the property and the plan rather than a stack of income documents. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and offer DSCR and small commercial programs suited to Gilroy's mix of housing and ag-adjacent parcels. Whether you are flipping a downtown Victorian, building an ADU near San Ysidro, or holding a Glen Loma rental for commuter tenants, our capital fits a market where value-add opportunity is still abundant.
Agricultural overlay zoning, well and septic review, and parcel-line analysis are standard on Gilroy files; typical project values run around $900K.
We size Gilroy loans around realistic well/septic review timelines, parcel-line confirmation, and agricultural overlay zoning. Local pocket coverage includes Eagle Ridge, Glen Loma, Downtown Gilroy, San Ysidro and adjacent Gilroy submarkets.
Estimated local median: $900K · Typical loan range: $585K – $1.13M · Top program: DSCR rental and small commercial
Most Gilroy private money loans we fund range from $585K to $1.13M, sized against an estimated local median around $900K. Loans outside that range are case-by-case based on parcel and scope.
For Gilroy, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on downtown and tract-home flips, ADU projects, small multifamily, DSCR rentals, and ag-adjacent small commercial across Eagle Ridge, Glen Loma, Downtown, and San Ysidro on an asset basis.
Often yes. Given Gilroy's agricultural fringe, we can review small commercial and land parcels case by case, sizing the loan to the asset and business plan rather than a rigid category.
Attainable pricing plus Caltrain and Highway 101 access to Silicon Valley jobs supports steady commuter-tenant demand, and our DSCR loans qualify on that rental income.
Typically five to ten business days, and as fast as five to seven 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