Lomita is a small, quiet South Bay city known locally as the friendly town, with a low-rise character and a housing base of modest postwar homes, some on unusually deep lots left over from its semirural past. Old Town Lomita along Narbonne Avenue keeps a village feel, while Harbor Hills and eastern Lomita hold the kind of one-story homes and older bungalows investors can update without heavy structural work. Its position near the Harbor Gateway, the ports, and the Palos Verdes hills gives it a blue-collar-to-move-up mix that keeps turnover steady.
Fidelity Funding lends directly to Lomita investors, underwriting the property and exit rather than burying you in conditions. A California lender since 2006, we close in 5 to 10 business days at rates from 9.99%, with up to 90% of cost plus 100% of rehab. Lomita's deep lots make it one of the better South Bay markets for adding an ADU, and our construction and rehab programs are built to fund exactly that kind of income-boosting addition quickly.
For a property in Lomita, 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 Old Town Lomita, Harbor Hills, Eastern Lomita, Western Lomita and adjacent Lomita submarkets.
Illustrative property value: $808K · Illustrative financing range: $525K – $1.01M · Programs to discuss: fix-and-flip and DSCR rental
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 $525K to $1.01M range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Many Lomita parcels are unusually deep from the city's semirural history, leaving room for detached ADUs that add strong rental income in a tight South Bay market.
Yes. Our rehab and construction programs can cover the main-home renovation and the ADU build together in a single loan.
It generally sits below the neighboring Palos Verdes and beach cities, offering a more accessible entry point for South Bay investors.
Typically 5 to 10 business days, and as fast as 5-7 when the file is clean. We control the process as a direct lender.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT