San Marcos is a fast-growing inland North San Diego County city anchored by California State University San Marcos and Palomar College, whose combined enrollment fuels a deep student-rental market in the University District and Richland. The city has boomed with master-planned communities like San Elijo Hills and the resort-style Lake San Marcos, alongside older neighborhoods near Old California and Twin Oaks. Its Highway 78 employment corridor and university economy give investors both a strong student-tenant base and steady workforce demand at more affordable inland pricing than the coast.
As a direct, asset-based lender, Fidelity Funding closes San Marcos deals in five to ten business days and underwrites the property and plan rather than income paperwork. The university drives dependable student rentals near CSUSM, the newer master-planned communities support cosmetic flips, and many lots accommodate ADUs to add cash-flowing units. Our fix-and-flip, ADU, bridge, and DSCR programs match the university-and-growth fundamentals of this North County market.
San Marcos fits the classic suburban California fix-and-flip profile: a $836K median, predictable comp sets, and a deep first-time-buyer pool.
Most San Marcos 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 San Elijo Hills, Lake San Marcos, Old California, University District, Twin Oaks, Discovery Hills and adjacent San Marcos submarkets.
Estimated local median: $836K · Typical loan range: $543K – $1.04M · Top program: fix-and-flip and DSCR rental
Most San Marcos private money loans we fund range from $543K to $1.04M, sized against an estimated local median around $836K. Loans outside that range are case-by-case based on parcel and scope.
For San Marcos, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Cal State San Marcos and Palomar College together enroll a large student population, creating steady demand in the University District. Our DSCR loans qualify on the property's rental income.
Yes. We finance flips, bridges, and DSCR rentals in San Elijo Hills and other master-planned San Marcos communities, underwriting the asset and exit strategy.
On suitable lots, yes. Our construction and rehab programs fund ADUs, which capture the city's strong student and workforce rental demand, subject to local zoning.
Typically five to ten business days. Our direct, in-house underwriting keeps pace with this growing, competitive North County market.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT