Trinidad is a premier coastal community in Humboldt County, with high-end single-family inventory, strong short-term rental demand, and consistent buyer interest from luxury investors statewide.
Fidelity Funding provides hard money loans, private money, and bridge financing for Trinidad borrowers across fix and flip, rental, and small commercial scenarios.
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.
Most Trinidad hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Trinidad.
Yes. DSCR loans are well-suited to Trinidad's rental market.
Yes. Our DSCR program qualifies Trinidad short-term rentals using platform income data.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT