Laguna Beach is a premier coastal community in Orange 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 Laguna Beach borrowers across fix and flip, rental, and small commercial scenarios.
Laguna Beach is defined by oceanfront scarcity; the median property in Laguna Beach prices near $2.04M, and motivated sellers expect a same-week close.
Most Laguna Beach 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 North Laguna, South Laguna, Laguna Village, Top of the World, Three Arch Bay, Emerald Bay and adjacent Laguna Beach submarkets.
Estimated local median: $2.04M · Typical loan range: $1.32M – $2.54M · Top program: luxury fix-and-flip and short-term rental DSCR
Most Laguna Beach private money loans we fund range from $1.32M to $2.54M, sized against an estimated local median around $2.04M. Loans outside that range are case-by-case based on parcel and scope.
For Laguna Beach, 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 Laguna Beach hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Laguna Beach.
Yes. DSCR loans are well-suited to Laguna Beach's rental market.
Yes. Our DSCR program qualifies Laguna Beach 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