Poway is an affluent inland San Diego County city that proudly calls itself the City in the Country, known for its top-rated schools, large semi-rural and equestrian lots, and a mix of custom estates and master-planned neighborhoods across Green Valley, The Heritage, Bridlewood, and Stone Canyon. The historic Old Poway district and a strong local business park economy anchor the community, while its rolling terrain and horse-property zoning give it a distinctly rural feel within the county. Buyers here are affluent and quality-focused, and investors find upside in aging custom homes and generous lots ideal for value-add.
As a direct, asset-based lender, Fidelity Funding provides Poway investors the fast, sizable capital that estate and semi-rural deals require — closing in five to ten business days and lending up to $50M on the asset. The city's aging custom homes reward high-end renovations, its large lots support ADUs and casitas, and its top schools drive strong family-rental demand. Our fix-and-flip, construction, ADU, bridge, and DSCR programs fit this premium inland market.
Poway draws move-up buyers from across California, and luxury fix-and-flip projects here regularly trade above the $1.36M median once renovated.
Typical Poway deals pair acquisition bridge capital with a rehab tranche sized to the local finish standard, exiting to a move-up family buyer drawn by school-district demand. Local pocket coverage includes Green Valley, Old Poway, Stone Canyon, The Heritage, Twin Peaks, Bridlewood and adjacent Poway submarkets.
Estimated local median: $1.36M · Typical loan range: $887K – $1.71M · Top program: high-balance fix-and-flip and bridge
Most Poway private money loans we fund range from $887K to $1.71M, sized against an estimated local median around $1.36M. Loans outside that range are case-by-case based on parcel and scope.
For Poway, our highest-volume program is high-balance fix-and-flip and bridge. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Large semi-rural and equestrian-lot homes qualify on an asset basis, and our programs fund high-end renovations, ADUs, and bridges up to $50M.
Poway's top-rated schools draw families willing to rent to access them, which supports DSCR rentals that qualify on the property's rental income.
Often yes. The city's generous lots are well suited to ADUs and casitas, and our construction and rehab programs fund the build, subject to local zoning.
Typically five to ten business days. As a direct lender we control underwriting, which matters on larger estate deals conventional jumbo financing handles slowly.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT