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.
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.
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