San Fernando is a small, historic city entirely surrounded by Los Angeles at the north end of its namesake valley, home to the landmark Mission San Fernando and a walkable, revitalizing downtown along the Mall on San Fernando Road. Its older neighborhoods hold early-1900s bungalows and postwar homes, while North and South San Fernando carry the everyday single-family and small multifamily stock that investors renovate. A tight-knit, largely Latino community, freeway and Metrolink access, and relative affordability keep it a steady, high-demand market.
Fidelity Funding funds San Fernando investors directly, underwriting on the property and plan rather than bureaucratic delay. A California lender since 2006, we close in 5 to 10 business days at rates from 9.99%, with up to 90% of cost plus 100% of rehab. Whether you are restoring an older bungalow downtown or adding an ADU on a roomy Valley lot, our fast, in-house decisions help you buy right and finish quickly in this compact northeast-Valley market.
San Fernando is a historic California community where craftsman, Spanish, and mid-century inventory drives the bulk of fix-and-flip activity.
Most San Fernando files we fund include permit-timeline buffers to handle the local historic review board and protect close-by-date commitments. Local pocket coverage includes Mission San Fernando, Downtown, South San Fernando, North San Fernando and adjacent San Fernando submarkets.
Estimated local median: $850K · Typical loan range: $553K – $1.06M · Top program: historic-district fix-and-flip and small commercial
Most San Fernando private money loans we fund range from $553K to $1.06M, sized against an estimated local median around $850K. Loans outside that range are case-by-case based on parcel and scope.
For San Fernando, our highest-volume program is historic-district fix-and-flip and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Many older Valley lots are roomy enough for detached ADUs, and strong local rental demand makes them solid income producers.
We do. Period homes near the revitalizing downtown suit quality restorations, which we factor into the after-repair value.
Yes. Its tight-knit community, transit access, and affordability sustain steady rental demand, supporting DSCR holds.
Typically 5 to 10 business days, and as fast as 5-7 with a clean file, since we lend directly.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT