As the anchor of Silicon Valley, San Jose boasts one of the strongest and highest-priced real estate markets in the nation. The influx of tech wealth creates a constant demand for modernized, turnkey housing. For investors, the margins can be massive, but the capital requirements are substantial.
Fidelity Funding provides the heavy-hitting capital required to compete in San Jose. We specialize in high-balance bridge and rehab loans, enabling investors to acquire dated properties, execute high-end modernizations, and capture the premium values demanded by the local tech workforce.
San Jose fits the classic suburban California fix-and-flip profile: a $1.43M median, predictable comp sets, and a deep first-time-buyer pool.
Most San Jose loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes Willow Glen, Rose Garden, Almaden Valley, Cambrian Park, Downtown San Jose, Berryessa and adjacent San Jose submarkets.
Estimated local median: $1.43M · Typical loan range: $926K – $1.78M · Top program: fix-and-flip and DSCR rental
Most San Jose private money loans we fund range from $926K to $1.78M, sized against an estimated local median around $1.43M. Loans outside that range are case-by-case based on parcel and scope.
For San Jose, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes, high-end, high-balance fix and flip loans are a core competency of our lending operations in San Jose.
We work with top-tier, localized appraisers who understand Silicon Valley's rapid appreciation and neighborhood micro-markets.
Yes, almost all of our investment loans in San Jose are closed under a corporate entity like an LLC.
Yes, if a project has stalled, we can provide bridge capital to complete the construction and stabilize the asset.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT