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.
For a property in Sand City, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Downtown Sand City, Tioga, Beachfront, Sand Dunes and adjacent Sand City submarkets.
Illustrative property value: $1.02M · Illustrative financing range: $666K – $1.28M · Programs to discuss: fix-and-flip and short-term rental DSCR
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $666K to $1.28M range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and short-term rental DSCR, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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