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.
South San Francisco is an industrial California submarket where flex, light-industrial, and warehouse repositioning generate most investor demand.
Investor activity in South San Francisco centers on flex and warehouse repositioning — we size loans against signed LOIs and realistic stabilization timelines. Local pocket coverage includes Downtown SSF, Westborough, Sunshine Gardens, Sterling Terrace, Buri Buri, Avalon and adjacent South San Francisco submarkets.
Estimated local median: $1.12M · Typical loan range: $728K – $1.4M · Top program: commercial bridge and DSCR
Most South San Francisco private money loans we fund range from $728K to $1.4M, sized against an estimated local median around $1.12M. Loans outside that range are case-by-case based on parcel and scope.
For South San Francisco, our highest-volume program is commercial bridge and DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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