Monterey County is a market of stark contrasts, featuring ultra-luxury coastal real estate on the Monterey Peninsula and immense agricultural power in the Salinas Valley. This duality offers unique opportunities for investors targeting luxury second homes or workforce housing.
Fidelity Funding understands the nuances of the Monterey County market. We provide high-balance loans for high-end renovations in Carmel and Pebble Beach, as well as agile bridge capital for multifamily and single-family value-add projects in Salinas and surrounding communities.
Financing in Monterey County requires a property-specific review. County-wide reference figures cannot substitute for recent comparable sales, an appraisal, or a contractor's scope and budget.
Check the relevant city or county planning department for permit, zoning, and rental requirements. Financing terms depend on underwriting and program availability.
Illustrative property reference: $820K · Illustrative financing range: $492K – $1.15M · Programs to discuss: fix-and-flip and DSCR rental
These model-generated examples are not current market data, appraisals, funded-loan statistics, or a loan offer. Request property-specific underwriting and current terms.
Loan amounts depend on the specific property's value, costs, and underwriting. The $492K to $1.15M range shown here is a model illustration, not a record of funded loans or a current quote.
Programs to discuss include fix-and-flip and DSCR rental. Eligibility for bridge, construction, commercial real estate, and DSCR rental financing depends on your property and loan scenario.
Yes, we regularly fund high-end fix-and-flips and spec construction in Carmel, Pebble Beach, and Pacific Grove.
Absolutely. Salinas is a strong market for standard residential flips and multifamily stabilization.
Yes, we offer DSCR loans tailored for vacation rentals in areas where local ordinances permit them.
We finance commercial structures related to agriculture, such as processing or cold storage facilities, via our bridge programs.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT