Seaside sits on the northern Monterey Peninsula, a former Fort Ord town that has become the peninsula's workforce and value housing hub. The closure of the base gave rise to CSU Monterey Bay on the old Fort Ord lands, bringing students, faculty, and steady rental demand, while the coastal position near the beach and Highway 1 keeps the market tied to Monterey's tourism economy. Housing runs from postwar tract homes in Del Monte Heights and near Downtown Seaside to hillside homes with bay views up in Hilltop and Monterey Pines. Compared with Pacific Grove and Carmel, Seaside offers real relative value, which makes it the peninsula's most active playground for value-add investors.
Fidelity Funding is a direct, asset-based lender, so a Seaside investor talks to the decision-makers rather than a distant fund. We underwrite the property and the exit rather than stacks of paperwork, and we close in five to ten business days. Whether you are flipping a postwar Del Monte Heights home, adding an ADU to serve CSUMB rental demand, or holding a Hilltop bay-view rental on a DSCR loan, our capital keeps pace with this competitive peninsula market.
Seaside blends a working coastal community with a steady second-home buyer pool, creating consistent absorption for renovated inventory in the $1.02M range.
Most Seaside 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 Seaside, Del Monte Heights, Hilltop, Monterey Pines and adjacent Seaside submarkets.
Estimated local median: $1.02M · Typical loan range: $666K – $1.28M · Top program: fix-and-flip and short-term rental DSCR
Most Seaside private money loans we fund range from $666K to $1.28M, sized against an estimated local median around $1.02M. Loans outside that range are case-by-case based on parcel and scope.
For Seaside, 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.
We lend on single-family flips, ADU projects, small multifamily, and DSCR rentals across Downtown Seaside, Del Monte Heights, Hilltop, and Monterey Pines. Postwar tract homes and view homes both qualify on an asset basis.
Yes. CSU Monterey Bay drives student and faculty demand, and peninsula tourism and service jobs add workforce renters, which supports DSCR buy-and-hold strategies at prices below neighboring coastal towns.
Yes. ADUs pair well with the strong rental base near CSUMB, and our construction and rehab programs cover up to 100% of rehab costs so you can add rentable square footage.
As fast as five to seven business days once title and valuation clear. As a direct lender, we move quickly enough to compete in the peninsula's most active 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