Sausalito occupies a steep hillside overlooking San Francisco Bay in southern Marin County, a luxury coastal town famous for its Mediterranean feel, houseboat community, and postcard views of the city skyline and Golden Gate. Once a fishing village and WWII shipbuilding center at Marinship, it evolved into an artist colony and upscale waterfront destination. Downtown Sausalito lines the bayfront with galleries and restaurants, Hurricane Gulch and the Banana Belt climb the sunny southern hillsides with view homes, and the Marinship area retains commercial, marine, and creative-industry uses. Steep lots, view premiums, and tight inventory define a distinctive market.
Fidelity Funding is a direct, asset-based lender, so a Sausalito investor works with the people who approve the loan rather than a distant committee. We underwrite the property and the exit instead of a thick income file, and we routinely close in five to ten business days. Whether you are renovating a hillside view home, repositioning a Banana Belt cottage, or bridging a Marinship commercial property, our capital moves fast enough to compete for scarce coastal inventory.
Sausalito is defined by oceanfront scarcity; the median property in Sausalito prices near $2.77M, and motivated sellers expect a same-week close.
Most Sausalito files we fund pair a 70-75% LTV bridge against the as-is to acquire, with a rehab line for design-grade finishes targeted to the local luxury buyer. Local pocket coverage includes Downtown Sausalito, Hurricane Gulch, Banana Belt, Marinship and adjacent Sausalito submarkets.
Estimated local median: $2.77M · Typical loan range: $1.8M – $3.47M · Top program: luxury fix-and-flip and short-term rental DSCR
Most Sausalito private money loans we fund range from $1.8M to $3.47M, sized against an estimated local median around $2.77M. Loans outside that range are case-by-case based on parcel and scope.
For Sausalito, our highest-volume program is luxury fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on flips, luxury renovations, bridge, and small commercial across Downtown Sausalito, Hurricane Gulch, the Banana Belt, and Marinship, underwriting each deal on the asset.
Yes. We finance the steep-lot, view-oriented properties typical of Sausalito, underwriting the collateral and renovation plan on their merits.
Yes. We lend up to $50M, so Sausalito's premium price points are within range, with terms sized to the project and exit.
As fast as five to seven business days once title and valuation clear. That speed helps you compete for scarce coastal inventory.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT