Santa Clara mixes deep Silicon Valley roots with a distinct civic identity, home to Santa Clara University, Levi's Stadium, the Mission College area, and the historic Old Quad near the mission. Its housing spans early-1900s cottages in the Old Quad, postwar ranches across Northside and Forest Park, and newer infill at Rivermark, all feeding a renter and buyer base tied to major chip and networking employers headquartered in and around the city. The blend of a large student population near SCU and a dense engineering workforce keeps both flip resale and rental demand strong across nearly every neighborhood.
As a direct, asset-based lender, Fidelity Funding funds Santa Clara investors on the strength of the property and the plan, not conventional income documentation. We finance cosmetic and full rehabs, ADU builds on the city's generous older lots, and DSCR rentals near the university and tech campuses. Lending statewide since 2006 with closings in 5 to 10 business days and rates from 9.99%, we give investors the speed to win contested Silicon Valley deals and the flexibility to bridge into long-term holds.
Santa Clara moves at the pace of Silicon Valley hiring cycles — when buyers show up they show up with cash, so investors who pre-fund with bridge capital control the deal.
Most Santa Clara acquisitions exit either to a custom-buyer sale or to a DSCR refi against corporate-rental demand from neighboring tech campuses. Local pocket coverage includes Old Quad, Rivermark, North Santa Clara, Santa Clara University area, Killarney Farms, Northside and adjacent Santa Clara submarkets.
Estimated local median: $2.17M · Typical loan range: $1.41M – $2.72M · Top program: high-balance bridge and rapid-close acquisition
Most Santa Clara private money loans we fund range from $1.41M to $2.72M, sized against an estimated local median around $2.17M. Loans outside that range are case-by-case based on parcel and scope.
For Santa Clara, our highest-volume program is high-balance bridge and rapid-close acquisition. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Santa Clara University sustains consistent rental demand, which supports strong debt-service coverage for buy-and-hold financing near campus.
We do. The Old Quad's early-1900s cottages near the mission are prime candidates for updated resale, financed to the after-repair value.
Older neighborhoods like Northside and Forest Park often have generous lots well suited to ADUs, and we finance both construction and conversions.
Typically 5 to 10 business days, and faster on clean files, which keeps you competitive in the tight Silicon Valley market.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT