Port Hueneme is a compact coastal city on the Ventura County shoreline, built around Naval Base Ventura County and its Seabee and port operations, with a deep-water harbor that is the only commercial port between Los Angeles and the Bay Area. Its beach neighborhoods, from Downtown Port Hueneme to the Hueneme Bay retirement community, the Surfside area, and nearby Channel Islands Beach, mix postwar homes, condos, and oceanfront properties. The naval base is the dominant employer and creates steady, reliable rental demand from military personnel and civilian contractors, while the beach and harbor location supports both resale and visitor-rental interest. Affordability relative to nearby coastal cities keeps investor attention high.
Fidelity Funding lends directly across Ventura County, and because our loans are asset-based we size deals on the property and the plan rather than a borrower's W-2 history. That fits Port Hueneme, where landlords chase base-driven rental demand and flippers update aging coastal homes. We close in as little as five to seven business days, fund up to 90% of purchase plus rehab, and offer DSCR options for the dependable tenant pool that Naval Base Ventura County and the harbor generate around Surfside and Hueneme Bay.
Port Hueneme blends a working coastal community with a steady second-home buyer pool, creating consistent absorption for renovated inventory in the $1.06M range.
Most Port Hueneme loans we fund are sized for cosmetic-plus-kitchens rehabs, with an STR DSCR refi takeout sized to peak-season nightly rates. Local pocket coverage includes Downtown Port Hueneme, Hueneme Bay, Surfside, Channel Islands Beach and adjacent Port Hueneme submarkets.
Estimated local median: $1.06M · Typical loan range: $691K – $1.33M · Top program: fix-and-flip and short-term rental DSCR
Most Port Hueneme private money loans we fund range from $691K to $1.33M, sized against an estimated local median around $1.06M. Loans outside that range are case-by-case based on parcel and scope.
For Port Hueneme, 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, condos, and DSCR rentals from Downtown Port Hueneme to Surfside and Channel Islands Beach, underwriting the asset and plan.
Naval Base Ventura County and the harbor employ large numbers of military personnel and civilian contractors, creating a dependable tenant pool that supports DSCR rentals.
As fast as five to seven business days once title and appraisal clear, since as a direct lender we make our own underwriting decisions.
Coastal demand can support them, but 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