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.
For a property in Martinez, 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 Downtown Martinez, Vine Hill, Alhambra Valley, Mountain View and adjacent Martinez submarkets.
Illustrative property value: $850K · Illustrative financing range: $553K – $1.06M · Programs to discuss: historic-district fix-and-flip and small commercial
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 $553K to $1.06M range below is an illustration, not funded-loan history or an offer.
Options to discuss include historic-district fix-and-flip and small commercial, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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