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.
Millbrae fits the classic suburban California fix-and-flip profile: a $1.33M median, predictable comp sets, and a deep first-time-buyer pool.
Most Millbrae loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes Downtown Millbrae, Millbrae Highlands, Mills Estate, Capuchino and adjacent Millbrae submarkets.
Estimated local median: $1.33M · Typical loan range: $865K – $1.66M · Top program: fix-and-flip and DSCR rental
Most Millbrae private money loans we fund range from $865K to $1.66M, sized against an estimated local median around $1.33M. Loans outside that range are case-by-case based on parcel and scope.
For Millbrae, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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