Half Moon Bay is a premier coastal community in San Mateo 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 Half Moon Bay borrowers across fix and flip, rental, and small commercial scenarios.
Half Moon Bay is defined by oceanfront scarcity; the median property in Half Moon Bay prices near $2.59M, and motivated sellers expect a same-week close.
Most Half Moon Bay files we fund pair a 70-75% LTV bridge against the as-is to acquire, with a rehab line for design-grade finishes targeted to the local luxury buyer. Local pocket coverage includes Downtown Half Moon Bay, Princeton-by-the-Sea, Miramar, Ocean Colony and adjacent Half Moon Bay submarkets.
Estimated local median: $2.59M · Typical loan range: $1.68M – $3.24M · Top program: luxury fix-and-flip and short-term rental DSCR
Most Half Moon Bay private money loans we fund range from $1.68M to $3.24M, sized against an estimated local median around $2.59M. Loans outside that range are case-by-case based on parcel and scope.
For Half Moon Bay, 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 Half Moon Bay hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Half Moon Bay.
Yes. DSCR loans are well-suited to Half Moon Bay's rental market.
Yes. Our DSCR program qualifies Half Moon Bay 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