Oakland is a dynamic and culturally rich city in the Bay Area. The real estate market offers significant value-add opportunities compared to its neighbors, attracting investors focused on urban revitalization and multifamily repositioning.
Fidelity Funding provides the agile capital needed to acquire distressed housing stock, execute fix-and-flips, or stabilize large rental properties in Oakland's highly competitive environment.
Oakland is a steady California submarket where owner-user comp sets are clean, appraisals turn quickly, and $1.04M-band fix-and-flip inventory absorbs reliably.
Investor exits in Oakland skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $1.04M median for downside protection. Local pocket coverage includes Rockridge, Temescal, Piedmont Avenue, Lake Merritt, Fruitvale, West Oakland and adjacent Oakland submarkets.
Estimated local median: $1.04M · Typical loan range: $679K – $1.31M · Top program: fix-and-flip and DSCR rental
Most Oakland private money loans we fund range from $679K to $1.31M, sized against an estimated local median around $1.04M. Loans outside that range are case-by-case based on parcel and scope.
For Oakland, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes, we are highly active in funding revitalization projects throughout Oakland.
Yes, Oakland is very progressive with ADUs, and we fund their construction regularly.
We provide bridge loans secured by commercial real estate, including mixed-use properties.
For large multifamily or commercial projects, we prefer experienced sponsors.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT