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.
Standard suburban product in Union City accounts for the bulk of our local volume — the median is around $1.04M and fix-and-flip deals here close on schedule.
Typical Union City deals close in 5 to 7 business days with a straight bridge loan plus rehab line and exit to a retail FHA or conventional buyer. Local pocket coverage includes Decoto, Alvarado, Mission Hills, Old Alvarado and adjacent Union City submarkets.
Estimated local median: $1.04M · Typical loan range: $679K – $1.31M · Top program: fix-and-flip and DSCR rental
Most Union City private money loans we fund range from $679K to $1.31M, sized against an estimated local median around $1.04M. Loans outside that range are case-by-case based on parcel and scope.
For Union City, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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