Marina anchors the northern edge of the Monterey Peninsula on former Fort Ord land, and it has become one of the region's fastest-growing coastal communities. New master-planned neighborhoods like Sea Haven and Cypress Knolls are rising on the old base grounds alongside the CSU Monterey Bay campus and a growing UC Santa Cruz research presence, while Downtown Marina and Marina Heights hold older postwar homes near the dunes and Highway 1. The town's mix of new construction, coastal setting, and relative affordability compared with the southern peninsula draws both families and investors chasing growth. Proximity to Monterey jobs and the beach keeps demand firm.
Fidelity Funding is a direct, asset-based lender, so a Marina investor works with the people who actually approve the deal. We underwrite the collateral and the exit rather than a stack of income documents, and we close in five to ten business days. Whether you are flipping an older Marina Heights home, financing a small new-construction project near Sea Haven, or holding a DSCR rental serving CSUMB and peninsula workers, our capital moves at the pace this growing coastal market demands.
Marina's short-term rental market and beach-proximity demand make it one of the stronger DSCR submarkets in California.
Investor exits in Marina split between owner-user sale and short-term rental hold — we structure loans so either path closes cleanly. Local pocket coverage includes Downtown Marina, Marina Heights, Sea Haven, Cypress Knolls and adjacent Marina submarkets.
Estimated local median: $1.02M · Typical loan range: $666K – $1.28M · Top program: fix-and-flip and short-term rental DSCR
Most Marina private money loans we fund range from $666K to $1.28M, sized against an estimated local median around $1.02M. Loans outside that range are case-by-case based on parcel and scope.
For Marina, our highest-volume program is fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on single-family flips, new construction, small multifamily, and DSCR rentals across Downtown Marina, Marina Heights, Sea Haven, and Cypress Knolls. Older postwar homes and new-build product both qualify on an asset basis.
Yes. With Sea Haven, Cypress Knolls, and other Fort Ord parcels still building out, we finance ground-up and small infill construction against the completed value.
CSU Monterey Bay, expanding university research, and peninsula tourism jobs create steady renter demand, and Marina's relative affordability supports DSCR buy-and-hold strategies.
As fast as five to seven business days once title and valuation clear. As a direct lender, we move at the speed this growing coastal market requires.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT