Sand City is a coastal market in Monterey County with steady year-round demand, strong rental absorption, and consistent investor activity across single-family and small commercial product.
Fidelity Funding provides hard money loans, private money, and bridge financing for Sand City borrowers across fix and flip, rental, and small commercial scenarios.
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.
Most Sand City hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Sand City.
Yes. DSCR loans are well-suited to Sand City's rental market.
Yes. We regularly close Sand City loans under LLCs and other corporate entities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT