Solana Beach is an affluent North County coastal city known for the Cedros Avenue Design District, the Belly Up music venue, and bluff-top homes above the train station on the Coaster line. Its economy blends high-end retail, design trades, and a second-home buyer base, while the housing stock ranges from remodeled mid-century beach homes to substantial rebuilds in Lomas Santa Fe and the Highlands, with the historic Eden Gardens pocket offering the area's more attainable entry point. Investors focus here on the wide spread between dated coastal homes and finished luxury comps, where a well-executed remodel or rebuild can capture significant value.
Fidelity Funding lends directly along the North County coast, underwriting the asset and the exit rather than tax returns, which suits the high-dollar, fast-moving deals this market produces. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and size loans up to $50M for the substantial rebuilds this coastline supports. From a Cedros-adjacent remodel to a Lomas Santa Fe teardown-rebuild, our capital keeps luxury investors competitive where ocean-close inventory is genuinely scarce.
For a property in Solana Beach, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Cedros Design District, Eden Gardens, Lomas Santa Fe, Highlands and adjacent Solana Beach submarkets.
Illustrative property value: $1.63M · Illustrative financing range: $1.06M – $2.04M · Programs to discuss: luxury fix-and-flip and short-term rental DSCR
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $1.06M to $2.04M range below is an illustration, not funded-loan history or an offer.
Options to discuss include luxury fix-and-flip and short-term rental DSCR, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. Our construction and rehab programs support substantial remodels and teardown-rebuilds in Lomas Santa Fe, the Highlands, and near Cedros, with loans sized up to $50M for coastal projects.
We do. Eden Gardens is the area's more attainable pocket, and we lend on flips, small multifamily, and DSCR rentals there on the same asset-based terms.
Typically five to ten business days once title and appraisal clear, which lets high-dollar buyers move quickly on scarce bluff-adjacent listings.
Yes. Our DSCR program qualifies ocean-close rentals on their income, which suits the strong short- and long-term demand near the Coaster station and Cedros.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT