Manhattan Beach is one of Southern California's premier luxury coastal markets, where the walk-street cottages of the Sand Section, the elevated view homes of the Hill Section, and the family-favored Tree Section command some of the highest per-square-foot values in LA County. Bordered by the Strand and El Porto's surf and shaped by the Poet Streets and Manhattan Heights, the city draws affluent buyers and a steady flow of teardown-and-rebuild activity as older beach cottages give way to modern coastal homes. Investors here operate at high price points where speed and certainty of capital are paramount.
As a direct, asset-based lender, Fidelity Funding provides Manhattan Beach investors the large, fast bridge and construction capital that luxury coastal deals demand — closing in five to ten business days and lending up to $50M on assets that conventional jumbo underwriting handles slowly. Whether you are executing a high-end Sand Section renovation, financing a Tree Section teardown-rebuild, or bridging a Hill Section acquisition, our fix-and-flip, construction, and bridge programs are built for this market's scale and tempo.
For a property in Manhattan 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 Sand Section, Hill Section, Tree Section, East Manhattan, Manhattan Heights, El Porto and adjacent Manhattan Beach submarkets.
Illustrative property value: $1.57M · Illustrative financing range: $1.02M – $1.97M · Programs to discuss: luxury 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 $1.02M to $1.97M range below is an illustration, not funded-loan history or an offer.
Options to discuss include luxury 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.
Yes. Our loans range up to $50M, which suits the high per-square-foot values across the Sand, Hill, and Tree Sections. We underwrite the asset and exit strategy.
Absolutely. Teardown-and-rebuild is a core Manhattan Beach strategy, and our construction program funds ground-up projects with draws tied to completed work.
Speed and certainty. Jumbo conventional financing moves slowly, while our direct, asset-based approach closes in five to ten business days so you can win competitive coastal deals.
Yes. Our bridge program helps investors acquire Hill Section or Sand Section properties quickly, then transition to a longer-term exit once the project stabilizes.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT