Imperial Beach is the southernmost beach city in California, a low-key coastal town wedged between the Silver Strand and the Tijuana River estuary, with the Navy's Coronado footprint and the border economy shaping its rhythm. The housing stock runs from small postwar beach bungalows and 1960s cottages near Seacoast Drive to newer condos along the pier and modest inland tracts around Old Palm. Investors like it because it is the last genuinely affordable stretch of San Diego County coastline, and the Bayside and South Imperial Beach pockets still hide dated properties with real ocean-adjacent upside as the waterfront slowly gentrifies.
Fidelity Funding is a direct, asset-based lender, so an Imperial Beach buyer negotiates with the decision-makers rather than a loan committee. We close in as little as five to seven business days, fund up to 90% of purchase plus rehab, and offer DSCR loans for owners holding beach-walk rentals. From flipping a tired Seacoast cottage to financing a coastal duplex near the pier, our capital keeps you competitive in a market where oceanfront supply barely exists.
For a property in Imperial Beach, 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 Seacoast, Old Palm, Bayside, South Imperial Beach and adjacent Imperial Beach submarkets.
Illustrative property value: $1.1M · Illustrative financing range: $715K – $1.38M · Programs to discuss: 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 $715K to $1.38M range below is an illustration, not funded-loan history or an offer.
Options to discuss include 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 lend on beach bungalows, cottages, condos, small multifamily, and DSCR rentals across Seacoast, Bayside, Old Palm, and South Imperial Beach. Coastal and inland properties both qualify on an asset basis.
Yes. Its affordability relative to the rest of the county coastline, combined with beach-walk appeal and nearby Navy demand, supports both short-term and long-term rental strategies underwritten on the property income.
We close in as little as five to seven business days once title and appraisal clear, which matters when scarce oceanfront-adjacent listings draw multiple offers.
We can, though flood-zone and coastal-condition factors affect our appraisal and rehab review. We size each loan to the after-repair value and the specific parcel rather than a blanket policy.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT