Imperial Beach is a coastal market in San Diego County with steady year-round demand, strong rental absorption, and consistent investor activity across single-family and small commercial product.
Fidelity Funding provides hard money loans, private money, and bridge financing for Imperial Beach borrowers across fix and flip, rental, and small commercial scenarios.
Imperial Beach blends a working coastal community with a steady second-home buyer pool, creating consistent absorption for renovated inventory in the $1.1M range.
Most Imperial Beach loans we fund are sized for cosmetic-plus-kitchens rehabs, with an STR DSCR refi takeout sized to peak-season nightly rates. Local pocket coverage includes Seacoast, Old Palm, Bayside, South Imperial Beach and adjacent Imperial Beach submarkets.
Estimated local median: $1.1M · Typical loan range: $715K – $1.38M · Top program: fix-and-flip and short-term rental DSCR
Most Imperial Beach private money loans we fund range from $715K to $1.38M, sized against an estimated local median around $1.1M. Loans outside that range are case-by-case based on parcel and scope.
For Imperial Beach, our highest-volume program is fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most Imperial Beach hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Imperial Beach.
Yes. DSCR loans are well-suited to Imperial Beach's rental market.
Yes. We regularly close Imperial Beach loans under LLCs and other corporate entities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT