Martinez is the historic county seat of Contra Costa, a waterfront town on the Carquinez Strait known as the birthplace of John Muir, with a walkable old downtown, a marina, and a refining-and-industrial economy along the shoreline. Its housing stock is rich in early-1900s Victorians and craftsman homes near Downtown Martinez, plus mid-century homes in the Vine Hill and Mountain View areas and semi-rural properties out toward Alhambra Valley. Investors value the restoration upside in period homes, the affordability relative to the Lamorinda towns, and steady demand from commuters using the Amtrak and county-seat employment base.
Fidelity Funding lends directly across Contra Costa County, underwriting the asset and the plan rather than income documents, which suits Martinez's older and sometimes complex properties. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and offer DSCR loans for the town's reliable rental demand. Whether you are restoring a downtown Victorian, flipping a Vine Hill home, or holding a rental near the marina, our capital fits a market where character and affordability meet.
Martinez is a historic California community where craftsman, Spanish, and mid-century inventory drives the bulk of fix-and-flip activity.
Most Martinez files we fund include permit-timeline buffers to handle the local historic review board and protect close-by-date commitments. Local pocket coverage includes Downtown Martinez, Vine Hill, Alhambra Valley, Mountain View and adjacent Martinez submarkets.
Estimated local median: $850K · Typical loan range: $553K – $1.06M · Top program: historic-district fix-and-flip and small commercial
Most Martinez private money loans we fund range from $553K to $1.06M, sized against an estimated local median around $850K. Loans outside that range are case-by-case based on parcel and scope.
For Martinez, our highest-volume program is historic-district fix-and-flip and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. We lend on restorations of the downtown's Victorians and craftsman homes, underwriting the after-repair value so period detail can be preserved profitably.
Often yes. As an asset-based lender we focus on the property's value and your rehab plan, which suits Martinez's early-1900s stock and semi-rural Alhambra Valley parcels.
County-seat employment, refining payrolls, and Amtrak access drive steady tenant demand at attainable pricing, and our DSCR loans qualify on that income.
Typically five to ten business days once title and appraisal clear, because we make the lending decision in-house.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT