San Francisco is a global tech and financial hub with one of the most constrained and expensive housing markets in the world. Success here requires immense capital, deep local knowledge, and the ability to execute quickly.
Fidelity Funding specializes in high-balance private loans for the San Francisco market. We understand the complexities of building and renovating in the city, offering customized financing solutions for major rehabs, condo conversions, and multifamily bridge acquisitions.
Standard suburban product in San Francisco accounts for the bulk of our local volume — the median is around $1.33M and fix-and-flip deals here close on schedule.
Typical San Francisco deals close in 5 to 7 business days with a straight bridge loan plus rehab line and exit to a retail FHA or conventional buyer. Local pocket coverage includes Mission District, Marina, Bernal Heights, Sunset District, Excelsior, Noe Valley and adjacent San Francisco submarkets.
Estimated local median: $1.33M · Typical loan range: $865K – $1.66M · Top program: fix-and-flip and DSCR rental
Most San Francisco private money loans we fund range from $865K to $1.66M, sized against an estimated local median around $1.33M. Loans outside that range are case-by-case based on parcel and scope.
For San Francisco, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We can fund luxury projects with loan amounts exceeding $25 million for qualified sponsors.
We evaluate Tenancy in Common (TIC) projects on a case-by-case basis depending on the legal structure and sponsor experience.
We work with sponsors who have a proven track record of navigating SF planning and building departments.
For large construction or rehab projects, we typically build an interest reserve into the loan.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT