San Mateo sits at the heart of the Peninsula, a mid-sized suburban city with a bustling downtown, the redeveloped Bay Meadows and Hillsdale transit-oriented districts, and prestigious older neighborhoods like San Mateo Park, Baywood, and Aragon lined with 1920s-30s period homes. The broader housing base blends those character estates with postwar tracts in North Shoreview and Fiesta Gardens, all sitting on Caltrain and Highway 101 within easy reach of both San Francisco and Silicon Valley employers. That central location and school reputation keep demand consistently high across a wide range of price points.
As a direct, asset-based lender, Fidelity Funding funds San Mateo investors on the deal rather than income paperwork. We finance period-home restorations, tract-home flips, ADU additions, and DSCR rentals serving the Peninsula's dual-hub commuter demand. Lending statewide since 2006 with rates from 9.99% and closings in 5 to 10 business days, we give investors the speed to win competitive San Mateo deals and the flexibility to bridge into long-term holds.
San Mateo fits the classic suburban California fix-and-flip profile: a $1.33M median, predictable comp sets, and a deep first-time-buyer pool.
Most San Mateo 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 Hillsdale, Aragon, Baywood, San Mateo Park, North Shoreview, Fiesta Gardens and adjacent San Mateo submarkets.
Estimated local median: $1.33M · Typical loan range: $865K – $1.66M · Top program: fix-and-flip and DSCR rental
Most San Mateo 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 Mateo, 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. Character estates in San Mateo Park, Baywood, and Aragon restore into strong premiums, and we lend to the after-repair value.
We do. Postwar tracts there are well suited to renovation for updated resale on an asset basis.
Its central position between San Francisco and Silicon Valley sustains deep commuter rental demand, supporting buy-and-hold financing.
Typically 5 to 10 business days, which keeps you competitive across the Peninsula.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT