Half Moon Bay is San Mateo County's iconic coastside town, a scenic Highway 1 destination known for its historic Main Street, the Ritz-Carlton bluffs, pumpkin farms, and the surf and harbor scene at Princeton-by-the-Sea and Pillar Point. Its housing ranges from vintage cottages around Downtown Half Moon Bay to newer homes in Ocean Colony near the golf links and coastal properties in Miramar. The economy leans on tourism, agriculture, and second-home demand, and the town's popularity as a weekend getaway from the Bay Area supports both nightly-rental and high-end resale markets. Coastal Commission oversight and limited inventory make well-executed renovations and view properties especially valuable.
Fidelity Funding is a direct, asset-based lender comfortable with coastside deals. We underwrite the property and the plan rather than tax returns, close in five to ten business days, and offer bridge and renovation capital when a bank timeline cannot match a competitive coastal acquisition. Whether you are updating a Downtown cottage for the visitor-rental market, repositioning a Miramar property, or bridging an Ocean Colony purchase, our capital moves at the pace this scarce, tourism-driven coastal market demands.
For a property in Half Moon Bay, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Downtown Half Moon Bay, Princeton-by-the-Sea, Miramar, Ocean Colony and adjacent Half Moon Bay submarkets.
Illustrative property value: $2.59M · Illustrative financing range: $1.68M – $3.24M · Programs to discuss: luxury fix-and-flip and short-term rental DSCR
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $1.68M to $3.24M range below is an illustration, not funded-loan history or an offer.
Options to discuss include luxury fix-and-flip and short-term rental DSCR, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
We fund coastal single-family flips, second-home and STR-oriented properties, and bridge deals from Downtown Half Moon Bay to Ocean Colony and Miramar.
They can be strong given steady Bay Area weekend demand near Princeton-by-the-Sea and Main Street, though local rules vary, so investors should confirm current STR permitting with the county and coastal authorities.
Typically five to ten business days once title and appraisal clear, which helps buyers compete for limited coastal inventory without a conventional lender's delays.
It can lengthen entitlement timelines, but we underwrite the asset and business plan and offer bridge capital to carry a project while approvals proceed.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT