Union City is a diverse East Bay suburb in southern Alameda County, formed from the historic Alvarado and Decoto districts and now a commuter community linked by its Intermodal BART station and the Dumbarton corridor to Silicon Valley. Its economy blends light industry, logistics, and Bay Area commuting, and the housing stock is largely 1960s through 1980s single-family tracts across Decoto, Alvarado, and the Mission Hills area, with older cottages surviving in Old Alvarado. Investors like the affordable-for-the-region basis, aging tract inventory that invites value-add work, and durable tenant demand from a workforce commuting in multiple directions.
Fidelity Funding lends directly across the East Bay, underwriting the asset and the plan rather than a borrower's income history. We close in as little as five to seven business days, fund up to 90% of purchase plus 100% of rehab, and offer DSCR loans for Union City's steady rental market. Whether you are flipping a Decoto tract home, adding an ADU near Mission Hills, or holding a transit-adjacent rental near the BART station, our capital keeps pace with a competitive, commuter-driven market.
For a property in Union City, 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 Decoto, Alvarado, Mission Hills, Old Alvarado and adjacent Union City submarkets.
Illustrative property value: $1.04M · Illustrative financing range: $679K – $1.31M · Programs to discuss: fix-and-flip and DSCR rental
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 $679K to $1.31M range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
We lend on single-family flips, ADU projects, small multifamily, and DSCR rentals across Decoto, Alvarado, Mission Hills, and Old Alvarado on an asset basis.
Yes. The tract-era lots often accommodate a detached unit, and our rehab and construction programs cover up to 100% of rehab so you can add rentable space.
BART and Dumbarton access to jobs in several directions drives steady tenant demand at attainable pricing, and our DSCR loans qualify on that income.
As fast as five to seven business days once title and appraisal clear, because we make the lending decision in-house.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT