Point Arena is one of California's smallest incorporated cities, a remote and scenic community on the far southern Mendocino coast known for the tall Point Arena Lighthouse and the rugged bluffs, coves, and tidepools of Schooner Gulch and the surrounding shoreline. Its tiny Downtown Point Arena centers on a short main street, with cottages and homes scattered south and out toward the coastal terraces. Isolation and limited housing keep supply tight, while the dramatic setting, the pier, and the draw of the Sea Ranch region to the south sustain steady interest from second-home buyers and vacation-rental operators.
Fidelity Funding lends directly across the Mendocino coast and understands the scarce, view-driven collateral that defines Point Arena. Because our loans are asset-based, we can move quickly on a rare coastal listing, underwriting the property and the plan rather than a lengthy income file. We close in five to ten business days, fund up to 90% of purchase plus rehab, and offer DSCR loans for the town's vacation-rental economy. Reach a decision-maker directly at (877) 300-3007.
Coastal access and STR cash flow drive Point Arena pricing — the local median runs around $656K and yield-focused investors here typically blend rehab capital with DSCR refi.
Typical Point Arena projects run 6 to 9 months of runway with rehab draws sequenced around coastal permit timing and contractor availability. Local pocket coverage includes Downtown Point Arena, Lighthouse area, South Point Arena, Schooner Gulch and adjacent Point Arena submarkets.
Estimated local median: $656K · Typical loan range: $427K – $820K · Top program: fix-and-flip and short-term rental DSCR
Most Point Arena private money loans we fund range from $427K to $820K, sized against an estimated local median around $656K. Loans outside that range are case-by-case based on parcel and scope.
For Point Arena, 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.
Yes. We lend statewide, including the far southern Mendocino coast, and distance from a metro doesn't change our five-to-ten-day timeline.
Yes. DSCR loans qualify on the property's income, which fits Point Arena's demand from travelers drawn to the lighthouse and coastal bluffs.
Absolutely. As a direct lender we close in as little as five to seven business days, which matters where inventory is scarce.
Yes. We fund up to 90% of purchase plus rehab, letting you upgrade a dated Point Arena cottage into a stronger resale or rental.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT