San Juan Capistrano is one of Orange County's oldest and most distinctive communities, built around Mission San Juan Capistrano and the historic Los Rios district, with a downtown that has been carefully revitalized around the depot and the swallows tradition. The Mission District core holds character homes and Spanish-influenced architecture, while newer gated and estate neighborhoods like Capistrano Royale, Stoneridge, and Marbella climb the surrounding hills with golf and equestrian amenities. Tourism, the Amtrak and Metrolink station, and a strong equestrian culture give the town an economy and buyer profile unlike its tract-home neighbors.
Fidelity Funding is a direct private lender that has served California investors since 2006, underwriting San Juan Capistrano deals on the asset and the exit rather than paperwork. From a character remodel near the Mission District to a bridge loan on an estate lot in Marbella, we fund in 5 to 10 business days with rates from 9.99% and leverage up to 90% of cost plus full rehab. Our in-house speed helps investors compete in a historic, tourism-driven market where distinctive homes draw distinctive buyers.
San Juan Capistrano draws design-driven buyers, and tasteful restorations in the $1.1M price band consistently outperform comparable cosmetic flips.
Typical San Juan Capistrano rehab loans are scoped around restoration-grade finishes that match the historic-district character — that detail consistently lifts resale values above the $1.1M median. Local pocket coverage includes Mission District, Capistrano Royale, Stoneridge, Marbella and adjacent San Juan Capistrano submarkets.
Estimated local median: $1.1M · Typical loan range: $715K – $1.38M · Top program: historic-district fix-and-flip and small commercial
Most San Juan Capistrano private money loans we fund range from $715K to $1.38M, sized against an estimated local median around $1.1M. Loans outside that range are case-by-case based on parcel and scope.
For San Juan Capistrano, 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. Mission District and Los Rios-adjacent character homes are within our appetite; preservation-minded remodels that keep authentic detail tend to earn strong resale premiums.
We fund DSCR and bridge loans on tourism-oriented properties, though you should verify the city's short-term rental regulations before committing to that strategy.
We do. Larger equestrian and estate parcels in Marbella and Stoneridge fit our programs, with structure tuned to the property and scope of work.
Typically 5 to 10 business days, and as fast as 5-7 when title and appraisal cooperate, since we make lending decisions in-house.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT