South San Francisco brands itself the Industrial City, and it has become the epicenter of the global biotech industry, with sprawling life-science campuses along the East of 101 corridor beside the bay, SFO next door, and a compact, working residential core rising into the hills. The housing base includes early- and mid-century homes in Sunshine Gardens, Buri Buri, and Brentwood, plus hillside neighborhoods around Sign Hill and Sterling Terrace, while Westborough adds newer tract product. A booming biotech and logistics economy drives relentless demand from well-paid workers, keeping the modest home inventory tightly contested.
As a direct, asset-based lender, Fidelity Funding funds South San Francisco investors on the deal rather than income paperwork. We finance flips of the older residential stock, ADU additions, small commercial and industrial-adjacent acquisitions, and DSCR rentals serving the biotech workforce. Lending statewide since 2006 with closings in 5 to 10 business days and loans from $50K to $50M, we give Peninsula investors the speed and flexibility to act on a market powered by one of California's strongest employment engines.
For a property in South San Francisco, 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 Downtown SSF, Westborough, Sunshine Gardens, Sterling Terrace, Buri Buri, Avalon and adjacent South San Francisco submarkets.
Illustrative property value: $1.12M · Illustrative financing range: $728K – $1.4M · Programs to discuss: commercial bridge and 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 $728K to $1.4M range below is an illustration, not funded-loan history or an offer.
Options to discuss include commercial bridge and 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. The East of 101 life-science campuses employ a large, well-paid workforce, creating deep rental demand that supports DSCR buy-and-holds.
We do. Early- and mid-century homes in Sunshine Gardens and Buri Buri are prime for renovation, financed to the after-repair value.
Yes. Given the city's industrial and biotech base, we fund small commercial and industrial-adjacent acquisitions on an asset basis.
Typically 5 to 10 business days, letting you compete in this tight, high-demand Peninsula 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