San Ramon is a planned, affluent Tri-Valley city organized around the Bishop Ranch business park, one of the East Bay's largest corporate centers, and the master-planned Dougherty Valley communities of Windemere and Gale Ranch. Its housing skews newer and larger than most of the region, with 1980s-2000s executive homes, golf-course neighborhoods near Bridges and the Country Club, and hillside lots throughout Twin Creeks and Crow Canyon. Top schools and proximity to major employers draw a well-off, professional buyer base, keeping demand firm for updated and move-up homes even in a market defined by relatively modern stock.
As a direct, asset-based lender, Fidelity Funding funds San Ramon investors on the deal rather than income paperwork, comfortable with the area's premium price points. We finance high-end flips and remodels, ADU additions, and DSCR rentals near Bishop Ranch. Lending statewide since 2006 with rates from 9.99%, closings in 5 to 10 business days, and loans reaching $50M, we give Tri-Valley investors the capital and speed to compete for San Ramon's scarce, high-value inventory.
San Ramon draws move-up buyers from across California, and luxury fix-and-flip projects here regularly trade above the $1.32M median once renovated.
Typical San Ramon deals pair acquisition bridge capital with a rehab tranche sized to the local finish standard, exiting to a move-up family buyer drawn by school-district demand. Local pocket coverage includes Bishop Ranch, Dougherty Valley, Windemere, Gale Ranch, Country Club, Twin Creeks and adjacent San Ramon submarkets.
Estimated local median: $1.32M · Typical loan range: $856K – $1.65M · Top program: high-balance fix-and-flip and bridge
Most San Ramon private money loans we fund range from $856K to $1.65M, sized against an estimated local median around $1.32M. Loans outside that range are case-by-case based on parcel and scope.
For San Ramon, our highest-volume program is high-balance fix-and-flip and bridge. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. San Ramon's 1980s-2000s homes in Windemere and Gale Ranch support premium updated resale, financed to the after-repair value.
It is. The large corporate park sustains professional renter demand, which supports DSCR buy-and-hold financing.
Many San Ramon lots accommodate ADUs, which add income and value given strong professional rental demand; we finance construction and conversions.
We lend from $50K to $50M, covering San Ramon's higher-value flips and larger remodels.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT