Pacifica stretches along the San Mateo County coast just south of San Francisco, a string of beach neighborhoods tucked between the ocean and the coastal hills along Highway 1. Surf-town Linda Mar, the harbor-and-restaurant scene at Rockaway Beach, the golf-adjacent Sharp Park, and the bluff-top Pedro Point give the city a distinctly coastal, laid-back identity while sitting within easy commuting reach of the city. The housing is largely postwar beach cottages and midcentury tracts, much of it dated and exposed to coastal weather, which creates steady renovation demand. Tourism, surfing, and the appeal of coastal living close to San Francisco support both resale and visitor-rental markets.
Fidelity Funding is a direct, asset-based lender comfortable with coastal properties. We underwrite the property and the plan rather than tax returns, close in five to ten business days, and offer bridge, renovation, and DSCR capital suited to a beach market. Whether you are updating a Linda Mar surf cottage, repositioning a Rockaway Beach property, or holding a DSCR rental for the San Francisco commuter pool, our capital moves at the pace this competitive coastside market demands.
Coastal access and STR cash flow drive Pacifica pricing — the local median runs around $1.75M and yield-focused investors here typically blend rehab capital with DSCR refi.
Typical Pacifica projects run 6 to 9 months of runway with rehab draws sequenced around coastal permit timing and contractor availability. Local pocket coverage includes Linda Mar, Rockaway Beach, Sharp Park, Pedro Point and adjacent Pacifica submarkets.
Estimated local median: $1.75M · Typical loan range: $1.14M – $2.19M · Top program: fix-and-flip and short-term rental DSCR
Most Pacifica private money loans we fund range from $1.14M to $2.19M, sized against an estimated local median around $1.75M. Loans outside that range are case-by-case based on parcel and scope.
For Pacifica, our highest-volume program is fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We fund coastal single-family flips, STR-oriented homes, and DSCR rentals across Linda Mar, Rockaway Beach, Sharp Park, and Pedro Point, underwriting the asset and plan.
Often. Salt air and weather take a toll on Pacifica's postwar cottages, so weather-ready updates unlock value, and our rehab programs cover up to 100% of costs.
As fast as five to seven business days once title and appraisal clear, which keeps pace with the competitive coastside commuter market.
Surf and coastal demand can support them, though local rules vary, so investors should confirm current STR permitting with the city before planning around nightly rentals.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT