Trinidad is a tiny, dramatic clifftop town on the Humboldt coast, wrapped around a working harbor beneath Trinidad Head and surrounded by sea stacks, redwoods, and the beaches of the Patrick's Point border and Westhaven. It is one of the North Coast's most desirable and scenic communities, and its limited housing stock, ocean views, and protected coastal setting push values well above the surrounding region. Homes range from cottages near Downtown Trinidad to view properties along the bluffs, and demand from second-home buyers, vacation-rental operators, and coastal retirees keeps supply perpetually tight.
Fidelity Funding lends directly across the North Coast and understands the higher-value, view-driven collateral that defines Trinidad. Because our loans are asset-based, we can move quickly on a scarce coastal listing, underwriting the property and the plan rather than a lengthy income file. We close in five to ten business days, lend from $50K to $50M, and fund up to 90% of purchase plus rehab, with DSCR options for the town's strong vacation-rental economy. Reach a decision-maker directly at (877) 300-3007.
Trinidad is defined by oceanfront scarcity; the median property in Trinidad prices near $786K, and motivated sellers expect a same-week close.
Most Trinidad files we fund pair a 70-75% LTV bridge against the as-is to acquire, with a rehab line for design-grade finishes targeted to the local luxury buyer. Local pocket coverage includes Downtown Trinidad, Trinidad Head, Patrick's Point border, Westhaven and adjacent Trinidad submarkets.
Estimated local median: $786K · Typical loan range: $511K – $983K · Top program: luxury fix-and-flip and short-term rental DSCR
Most Trinidad private money loans we fund range from $511K to $983K, sized against an estimated local median around $786K. Loans outside that range are case-by-case based on parcel and scope.
For Trinidad, our highest-volume program is luxury fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. DSCR loans qualify on the property's income, which fits Trinidad's strong short-term-rental demand near the harbor, Trinidad Head, and Patrick's Point.
Yes. As a direct lender we close in as little as five to seven business days, which matters when scarce coastal inventory draws competing offers.
We do. Our range runs to $50M, so premium bluff-top and Westhaven view homes are well within our lending capacity.
Yes. We fund up to 90% of purchase plus rehab, letting you upgrade an older coastal cottage into a premium resale or rental.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT