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.
Coastal demand and constrained supply make Manhattan Beach one of the most competitive submarkets in California — most deals close all-cash or with proof of fast private capital.
Our Manhattan Beach borrowers usually keep 12 to 18 months of runway built into the loan to absorb permit timelines and protect against coastal market seasonality. Local pocket coverage includes Sand Section, Hill Section, Tree Section, East Manhattan, Manhattan Heights, El Porto and adjacent Manhattan Beach submarkets.
Estimated local median: $1.57M · Typical loan range: $1.02M – $1.97M · Top program: luxury fix-and-flip and short-term rental DSCR
Most Manhattan Beach private money loans we fund range from $1.02M to $1.97M, sized against an estimated local median around $1.57M. Loans outside that range are case-by-case based on parcel and scope.
For Manhattan 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.
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