Pinole is a small West County suburb along the I-80 corridor and San Pablo Bay, with a historic Old Town core, a valley-and-hillside layout, and a commuter economy oriented toward the East Bay and San Francisco. Its housing stock ranges from early-1900s and postwar homes in Old Town Pinole to mid-century tracts in Pinole Valley and the Bayview and Roble Manor hillside areas. Investors are drawn by attainable West County pricing relative to the inner East Bay, aging inventory that invites value-add work, and steady commuter tenant demand along the busy freeway corridor.
Fidelity Funding lends directly across Contra Costa County, underwriting the asset and the plan rather than income documents. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and offer DSCR loans for Pinole's reliable rental market. Whether you are flipping an Old Town bungalow, adding an ADU in Pinole Valley, or holding a hillside rental, our capital fits a value-driven, commuter-friendly West County market.
Pinole fits the classic suburban California fix-and-flip profile: a $808K median, predictable comp sets, and a deep first-time-buyer pool.
Most Pinole 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 Old Town Pinole, Pinole Valley, Bayview, Roble Manor and adjacent Pinole submarkets.
Estimated local median: $808K · Typical loan range: $525K – $1.01M · Top program: fix-and-flip and DSCR rental
Most Pinole private money loans we fund range from $525K to $1.01M, sized against an estimated local median around $808K. Loans outside that range are case-by-case based on parcel and scope.
For Pinole, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on bungalow and tract-home flips, ADU projects, small multifamily, and DSCR rentals across Old Town Pinole, Pinole Valley, Bayview, and Roble Manor on an asset basis.
Yes, on lots that support it. Our rehab and construction programs cover up to 100% of rehab costs so you can add a rentable unit in a commuter market.
Attainable pricing and I-80 access to Bay Area jobs drive steady commuter demand, which our DSCR loans qualify on rather than on personal income.
Typically five to ten business days once title and appraisal clear, because we make the lending decision in-house.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT