Santa Monica is one of the most prestigious and competitive submarkets on the Westside, with luxury single-family inventory, dense multifamily product, and high-value commercial corridors. Speed and certainty of close are non-negotiable.
Fidelity Funding provides hard money loans and private money to Santa Monica investors and developers. We fund luxury flips, multifamily acquisitions, and commercial bridge scenarios with high leverage and rapid execution.
Santa Monica fits the classic suburban California fix-and-flip profile: a $808K median, predictable comp sets, and a deep first-time-buyer pool.
Most Santa Monica loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes North of Montana, Sunset Park, Ocean Park, Wilshire-Montana, Mid-City, Pico and adjacent Santa Monica submarkets.
Estimated local median: $808K · Typical loan range: $525K – $1.01M · Top program: fix-and-flip and DSCR rental
Most Santa Monica private money loans we fund range from $525K to $1.01M, sized against an estimated local median around $808K. Loans outside that range are case-by-case based on parcel and scope.
For Santa Monica, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. We regularly fund high-dollar fix and flip projects across Santa Monica, including in North of Montana and Sunset Park.
We routinely fund loans into the multimillion dollar range in Santa Monica for qualified projects and sponsors.
Yes. We are familiar with Santa Monica's rent control framework and finance multifamily acquisitions and repositionings under it.
Most Santa Monica deals close in 5 to 10 business days.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT