Scotts Valley sits in the wooded hills above Santa Cruz along Highway 17, a well-off suburban community that serves as a bridge between the coast and Silicon Valley over the summit. Known for its highly regarded schools, the Skypark area on the site of a former airfield, and a mix of tech-connected professionals and mountain-town residents, the city commands strong values. The housing stock ranges from newer developments near Skypark to older homes in Mountain View and the forested Glenwood area, and its commuter position keeps demand resilient.
Fidelity Funding lends directly across California, and our asset-based approach fits Scotts Valley's mix of high-value owner-occupant demand and investor value-add plays. We underwrite the property and the plan and close in five to ten business days. Whether an investor is renovating an older Mountain View home, holding a rental on DSCR terms backed by commuter and tech demand, or bridging a Skypark purchase, our capital keeps pace in this desirable summit-corridor market.
Scotts Valley draws move-up buyers from across California, and luxury fix-and-flip projects here regularly trade above the $1.86M median once renovated.
Typical Scotts Valley deals pair acquisition bridge capital with a rehab tranche sized to the local finish standard, exiting to a move-up family buyer drawn by school-district demand. Local pocket coverage includes Downtown Scotts Valley, Skypark, Mountain View, Glenwood and adjacent Scotts Valley submarkets.
Estimated local median: $1.86M · Typical loan range: $1.21M – $2.33M · Top program: high-balance fix-and-flip and bridge
Most Scotts Valley private money loans we fund range from $1.21M to $2.33M, sized against an estimated local median around $1.86M. Loans outside that range are case-by-case based on parcel and scope.
For Scotts Valley, our highest-volume program is high-balance fix-and-flip and bridge. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Older homes in Mountain View and Glenwood are strong value-add candidates, and we cover up to 100% of rehab costs with fast closings.
Absolutely. Our DSCR loans qualify on the property's rental income, which suits commuter and tech-professional tenant demand.
Loans run from $50K to $50M, covering a single-home renovation up to larger multifamily or small commercial assets.
As fast as five to seven business days once title and appraisal clear, since we make decisions in-house as a direct lender.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT