Palos Verdes Estates is a meticulously planned luxury coastal city, laid out in the 1920s to Olmsted-inspired designs with Mediterranean architecture, sweeping ocean views, and a strict aesthetic that has preserved its exclusivity for a century. Lunada Bay and Malaga Cove sit above the water with some of the peninsula's most coveted view lots, while Valmonte and Montemalaga blend original period estates with high-end custom homes. Top-rated schools, thin inventory, and enduring demand keep values among the highest in the South Bay.
Fidelity Funding provides discreet, high-limit private capital to Palos Verdes Estates owners and investors, with loans up to $50M and asset-based underwriting suited to complex, high-net-worth files. A direct California lender since 2006, we fund bridge, construction, and cash-out loans in 5 to 10 business days at rates from 9.99%. For a luxury remodel above Lunada Bay or a bridge against a view estate while a sale completes, our speed and flexibility keep premium transactions moving where banks bog down.
Palos Verdes Estates is defined by oceanfront scarcity; the median property in Palos Verdes Estates prices near $1.57M, and motivated sellers expect a same-week close.
Most Palos Verdes Estates files we fund pair a 70-75% LTV bridge against the as-is to acquire, with a rehab line for design-grade finishes targeted to the local luxury buyer. Local pocket coverage includes Lunada Bay, Malaga Cove, Valmonte, Montemalaga and adjacent Palos Verdes Estates submarkets.
Estimated local median: $1.57M · Typical loan range: $1.02M – $1.97M · Top program: luxury fix-and-flip and short-term rental DSCR
Most Palos Verdes Estates private money loans we fund range from $1.02M to $1.97M, sized against an estimated local median around $1.57M. Loans outside that range are case-by-case based on parcel and scope.
For Palos Verdes Estates, our highest-volume program is luxury fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Loans up to $50M match this market's view-lot and estate price tier, where conventional financing often falls short.
Absolutely. Bridge loans against low-leverage estates are common here, providing liquidity while a purchase or sale completes.
We underwrite on the asset's value and your exit strategy rather than requiring exhaustive income documentation, which fits complex borrower profiles.
Design review can shape the scope and timeline, but we lend to the plan and the after-repair value regardless of the approval process.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT