San Rafael is the county seat and largest city in Marin County, a well-established suburban hub whose Mission-era origins and the landmark Frank Lloyd Wright-designed Marin Civic Center give it real historical texture. Downtown San Rafael anchors a walkable Fourth Street commercial district, Terra Linda holds mid-century Eichler homes and postwar tracts, the Dominican neighborhood near the university carries older character homes, and Marin Lagoon offers waterfront-oriented residential. As a job and government center just north of the Golden Gate, San Rafael commands strong Bay Area values while retaining a diverse, layered housing stock across eras.
Fidelity Funding is a direct, asset-based lender, so a San Rafael investor works with the people who approve the loan rather than a distant committee. We underwrite the property and the exit instead of a thick income file, and we routinely close in five to ten business days. Whether you are renovating a Terra Linda Eichler, updating a Dominican character home, or bridging a value-add multifamily near downtown, our capital moves fast enough to compete in Marin's high-demand market.
Standard suburban product in San Rafael accounts for the bulk of our local volume — the median is around $1.43M and fix-and-flip deals here close on schedule.
Typical San Rafael deals close in 5 to 7 business days with a straight bridge loan plus rehab line and exit to a retail FHA or conventional buyer. Local pocket coverage includes Downtown San Rafael, Marin Lagoon, Terra Linda, Dominican and adjacent San Rafael submarkets.
Estimated local median: $1.43M · Typical loan range: $926K – $1.78M · Top program: fix-and-flip and DSCR rental
Most San Rafael 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 Rafael, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on flips, multifamily, DSCR rentals, bridge, and small commercial across Downtown San Rafael, Terra Linda, Dominican, and Marin Lagoon, underwriting each deal on the asset.
As fast as five to seven business days once title and valuation clear. In Marin's competitive market, that speed lets you win against slower financing.
Yes. We lend up to $50M, so San Rafael's higher price points are well within range, with terms sized to the deal and exit.
Yes. We offer cash-out and DSCR financing on qualifying rentals, letting you pull equity or refinance based on the property's value and cash flow.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT