Lemon Grove is a compact inner-suburban city in San Diego's East County, threaded by the trolley line, State Route 94, and the Broadway and Mount Vernon commercial corridors that carry its small-business economy. The famous giant lemon marks a downtown built on postwar bones, and the housing stock is largely 1940s through 1960s single-family homes on generous lots, with hillside pockets up toward Skyline. Investors are drawn by an affordable East County basis, easy freeway and trolley access to downtown San Diego, and lots big enough to support the ADU additions that command strong rents in a tight regional market.
Fidelity Funding lends directly throughout San Diego County, underwriting the asset and the plan rather than a borrower's income documents. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and offer DSCR loans for landlords holding Lemon Grove rentals. Whether you are modernizing a postwar home near the Broadway corridor or building an ADU on a deep Skyline lot, our capital moves at the pace this steady, tenant-heavy market rewards.
Lemon Grove fits the classic suburban California fix-and-flip profile: a $836K median, predictable comp sets, and a deep first-time-buyer pool.
Most Lemon Grove loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes Downtown Lemon Grove, Skyline, Mt Vernon corridor, Broadway corridor and adjacent Lemon Grove submarkets.
Estimated local median: $836K · Typical loan range: $543K – $1.04M · Top program: fix-and-flip and DSCR rental
Most Lemon Grove private money loans we fund range from $543K to $1.04M, sized against an estimated local median around $836K. Loans outside that range are case-by-case based on parcel and scope.
For Lemon Grove, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Many Lemon Grove lots are deep enough for a detached ADU, and our construction and rehab programs cover up to 100% of rehab costs so you can add a rentable unit without exhausting your cash.
We lend on single-family flips, ADU projects, small multifamily, and DSCR rentals across Downtown, Skyline, and the Mt Vernon and Broadway corridors, all underwritten on the asset.
Affordable East County pricing plus trolley and SR-94 access to downtown San Diego drives steady tenant demand, and our DSCR loans qualify on that rental income rather than personal returns.
Typically five to ten business days, and as fast as five to seven once title and appraisal clear, because we are the direct lender making the decision.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT