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.
For a property in San Francisco, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Mission District, Marina, Bernal Heights, Sunset District, Excelsior, Noe Valley and adjacent San Francisco submarkets.
Illustrative property value: $1.33M · Illustrative financing range: $865K – $1.66M · Programs to discuss: fix-and-flip and DSCR rental
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $865K to $1.66M range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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