Millbrae is a compact Peninsula city pressed between San Bruno and Burlingame, defined by its walkable Downtown Millbrae, the Millbrae BART and Caltrain intermodal station, and its position right beside SFO. Hillside neighborhoods like Millbrae Highlands and Mills Estate offer bay-and-airport views and larger lots, while the flatter Capuchino area holds denser postwar stock closer to El Camino Real. The transit connection and airport proximity make Millbrae a natural commuter base for San Francisco and Silicon Valley workers, sustaining steady owner-occupant and rental demand. Much of the housing is midcentury and now dated, which gives renovation-minded investors clear value-add opportunity in a well-located market.
Fidelity Funding is a direct, asset-based lender, so a Millbrae investor works directly with the people who fund the loan. We underwrite the property and the plan rather than tax returns, and we typically close in five to ten business days. Whether you are updating a Millbrae Highlands view home, adding an ADU on a Mills Estate lot, or holding a DSCR rental for the BART and airport workforce, our capital keeps pace with this competitive transit-oriented market.
For a property in Millbrae, 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 Millbrae, Millbrae Highlands, Mills Estate, Capuchino and adjacent Millbrae submarkets.
Illustrative property value: $1.33M · Illustrative financing range: $865K – $1.66M · Programs to discuss: fix-and-flip and DSCR rental
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 $865K to $1.66M range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
We fund hillside single-family flips, ADU additions, and DSCR rentals across Millbrae Highlands, Mills Estate, and Capuchino, underwriting the asset and exit plan.
The BART and Caltrain hub and SFO proximity keep tenant demand steady from commuters and airport workers, which supports DSCR rental cash flow.
As fast as five to seven business days once title and appraisal clear, keeping pace with the competitive transit-oriented buyer market.
Yes. Updated hillside homes in Millbrae Highlands capture the premium buyers pay for bay and airport views, and we fund up to 100% of rehab costs.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT