San Carlos is a premier suburban community in San Mateo County, with strong demand for luxury single-family, top-rated schools, and consistent investor and owner-user activity.
Fidelity Funding provides hard money loans, private money, and bridge financing for San Carlos borrowers across fix and flip, rental, and small commercial scenarios.
Investor demand in San Carlos is anchored by long-tenured owners and tight resale supply — typical project values run around $2.17M and competition rewards fast closers.
We structure San Carlos loans with realistic HOA and CC&R review baked into close timelines so the project hits market in the right seasonal window. Local pocket coverage includes Downtown San Carlos, White Oaks, Beverly Terrace, Cordilleras Heights and adjacent San Carlos submarkets.
Estimated local median: $2.17M · Typical loan range: $1.41M – $2.71M · Top program: high-balance fix-and-flip and bridge
Most San Carlos private money loans we fund range from $1.41M to $2.71M, sized against an estimated local median around $2.17M. Loans outside that range are case-by-case based on parcel and scope.
For San Carlos, 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.
Most San Carlos hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in San Carlos.
Yes. DSCR loans are well-suited to San Carlos's rental market.
Yes. We regularly fund high-dollar rehab projects throughout San Carlos.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT