Sand City is the Monterey Peninsula's smallest incorporated city, a compact coastal enclave wedged between Seaside and Monterey along Highway 1 and the dunes of Monterey Bay. Long an industrial and light-manufacturing district, it has reinvented itself as a hub for art galleries, breweries, and the big-box retail around the Sand Dunes shopping center, while the Beachfront and Tioga areas draw interest for mixed-use and coastal redevelopment. The city's small footprint and unique blend of oceanfront land, commercial parcels, and pockets of residential make it a distinct submarket where creative repositioning drives value. Its position at the center of the peninsula keeps demand tied to Monterey tourism and workforce housing needs.
Fidelity Funding is a direct, asset-based lender, so a Sand City investor works directly with the decision-makers on unconventional coastal deals. We underwrite the asset and the exit rather than a stack of income documents, and we close in five to ten business days. Whether you are repositioning a mixed-use building near downtown, bridging a Beachfront parcel, or holding a coastal rental on a DSCR loan, our capital moves fast enough for this one-of-a-kind peninsula submarket.
Sand City's short-term rental market and beach-proximity demand make it one of the stronger DSCR submarkets in California.
Investor exits in Sand City split between owner-user sale and short-term rental hold — we structure loans so either path closes cleanly. Local pocket coverage includes Downtown Sand City, Tioga, Beachfront, Sand Dunes and adjacent Sand City submarkets.
Estimated local median: $1.02M · Typical loan range: $666K – $1.28M · Top program: fix-and-flip and short-term rental DSCR
Most Sand City private money loans we fund range from $666K to $1.28M, sized against an estimated local median around $1.02M. Loans outside that range are case-by-case based on parcel and scope.
For Sand City, our highest-volume program is fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on mixed-use, small commercial, bridge purchases, and DSCR rentals across Downtown Sand City, the Beachfront, Tioga, and Sand Dunes. Industrial, retail, and residential parcels can all qualify on an asset basis.
Yes. The city's redevelopment potential is central to its value, and we finance bridge and rehab loans on parcels with a clear higher-and-better-use exit, underwriting the asset and the plan.
Yes. We fund loans from $50K to $50M and underwrite the collateral, so Beachfront and oceanfront-adjacent parcels with a viable exit fit within our range.
As fast as five to seven business days once title and valuation clear. As a direct lender, we can move quickly on unconventional coastal deals.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT