Santa Cruz is a coastal market in Santa Cruz 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 Santa Cruz borrowers across fix and flip, rental, and small commercial scenarios.
Santa Cruz blends a working coastal community with a steady second-home buyer pool, creating consistent absorption for renovated inventory in the $1.5M range.
Most Santa Cruz loans we fund are sized for cosmetic-plus-kitchens rehabs, with an STR DSCR refi takeout sized to peak-season nightly rates. Local pocket coverage includes Downtown Santa Cruz, Westside, Pleasure Point, Seabright and adjacent Santa Cruz submarkets.
Estimated local median: $1.5M · Typical loan range: $975K – $1.88M · Top program: fix-and-flip and short-term rental DSCR
Most Santa Cruz private money loans we fund range from $975K to $1.88M, sized against an estimated local median around $1.5M. Loans outside that range are case-by-case based on parcel and scope.
For Santa Cruz, 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 Santa Cruz hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Santa Cruz.
Yes. DSCR loans are well-suited to Santa Cruz's rental market.
Yes. We regularly close Santa Cruz 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