San Clemente is a premier coastal community in Orange County, with high-end single-family inventory, strong short-term rental demand, and consistent buyer interest from luxury investors statewide.
Fidelity Funding provides hard money loans, private money, and bridge financing for San Clemente borrowers across fix and flip, rental, and small commercial scenarios.
Coastal demand and constrained supply make San Clemente one of the most competitive submarkets in California — most deals close all-cash or with proof of fast private capital.
Our San Clemente borrowers usually keep 12 to 18 months of runway built into the loan to absorb permit timelines and protect against coastal market seasonality. Local pocket coverage includes North Beach, Pier Bowl, Riviera District, Sea Pointe Estates, Cyprus Cove, Talega and adjacent San Clemente submarkets.
Estimated local median: $2.04M · Typical loan range: $1.32M – $2.54M · Top program: luxury fix-and-flip and short-term rental DSCR
Most San Clemente private money loans we fund range from $1.32M to $2.54M, sized against an estimated local median around $2.04M. Loans outside that range are case-by-case based on parcel and scope.
For San Clemente, our highest-volume program is luxury fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most San Clemente hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in San Clemente.
Yes. DSCR loans are well-suited to San Clemente's rental market.
Yes. Our DSCR program qualifies San Clemente short-term rentals using platform income data.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT