Pacifica is a coastal market in San Mateo County with steady year-round demand, strong rental absorption, and consistent investor activity across single-family and small commercial product.
Fidelity Funding provides hard money loans, private money, and bridge financing for Pacifica borrowers across fix and flip, rental, and small commercial scenarios.
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.
Most Pacifica hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Pacifica.
Yes. DSCR loans are well-suited to Pacifica's rental market.
Yes. We regularly close Pacifica loans under LLCs and other corporate entities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT