Laguna Niguel 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 Niguel borrowers across fix and flip, rental, and small commercial scenarios.
Laguna Niguel sits at the high end of the California coastal market, where waterfront and bluff-view parcels rarely trade and capital efficiency decides which investors win bids.
Investors active in Laguna Niguel typically draw down rehab capital in three to four stages — foundation/structural, MEP, finishes, and final staging — and exit to a custom-buyer sale or short-term rental DSCR refi. Local pocket coverage includes Bear Brand Ranch, Laguna Sur, Niguel Shores, Marina Hills, Beacon Hill, San Joaquin Hills and adjacent Laguna Niguel 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 Niguel 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 Niguel, 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 Niguel hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Laguna Niguel.
Yes. DSCR loans are well-suited to Laguna Niguel's rental market.
Yes. Our DSCR program qualifies Laguna Niguel 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