Montclair sits at the western edge of San Bernardino County against the LA County line, a compact Inland Empire city built out heavily in the postwar decades and organized around the Montclair Place shopping center and the transit hub where Metrolink and regional bus lines converge. Downtown Montclair and the North and South Montclair neighborhoods hold a dense mix of postwar single-family homes, condos, and small multifamily, and the city's affordability plus its position on the LA border makes it a natural landing spot for buyers and renters pushing east from Los Angeles County. Planned transit-oriented development around the hub adds momentum for investors watching the corridor.
Fidelity Funding is a direct private money lender that has funded California investors since 2006, underwriting Montclair deals on the asset and the plan rather than a slow committee. Whether you are flipping a postwar home, repositioning a small multifamily building, or holding a DSCR rental near the transit hub, we fund in 5 to 10 business days with rates from 9.99% and leverage up to 90% of cost plus rehab. In an affordable, transit-connected border market, our in-house speed keeps investors ahead of steady LA-driven demand.
Montclair fits the classic suburban California fix-and-flip profile: a $523K median, predictable comp sets, and a deep first-time-buyer pool.
Most Montclair 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 Montclair Plaza, Downtown Montclair, South Montclair, North Montclair and adjacent Montclair submarkets.
Estimated local median: $523K · Typical loan range: $340K – $653K · Top program: fix-and-flip and DSCR rental
Most Montclair private money loans we fund range from $340K to $653K, sized against an estimated local median around $523K. Loans outside that range are case-by-case based on parcel and scope.
For Montclair, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Affordability, an LA-border location that draws migrating buyers and renters, and transit-oriented development around the Metrolink hub that supports both flips and holds.
Yes. Two-to-four-unit repositioning is a core use of our loans in Montclair, and larger buildings fit our multifamily program.
It does. Metrolink and bus connections plus planned transit-oriented development strengthen rental demand and resale interest near the hub.
Up to 90% of cost plus 100% of rehab, capped at 75% of after-repair value, with terms based on the property and your experience.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT