San Francisco County is both a city and a county, packing roughly 815,000+ residents into 47 dense square miles where finance, technology, tourism, and biotech drive one of the most expensive real estate markets in the country. The median home value near $1.4M reflects fierce competition for Victorian flats in the Mission, Edwardians in Noe Valley, condos in SoMa, and multi-unit buildings across the Richmond, Sunset, and Excelsior. Investors here rarely find raw dirt; the play is value-add on aging housing stock, condo conversions, TIC deals, ADU additions in the backyard, and small mixed-use buildings along neighborhood commercial corridors. With building costs high and timelines tight, speed and certainty of funding often matter more than a marginal rate difference.
Fidelity Funding Corp has been a direct hard money lender since 2006, and we lend our own capital across San Francisco County without layers of brokers or committees. That means we can underwrite a Mission fourplex or a SoMa condo remodel on the property's merits and close in as little as 5 to 10 business days when a competing all-cash offer would otherwise win. We fund fix-and-flip, bridge, DSCR rental, multifamily, construction, and small commercial deals from $50K to $50M, with rates starting at 9.99% and leverage up to 90% of cost plus 100% of rehab. Call (877) 300-3007 to talk terms.
Financing in San Francisco 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: $1.4M · Illustrative financing range: $840K – $1.96M · 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 $840K to $1.96M 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 provide bridge and value-add capital for buildings being repositioned toward tenancy-in-common or condominium exits. We underwrite the as-is value, the renovation scope, and the projected sellout, and structure a term long enough to complete permitted work and market the units.
Typically 5 to 10 business days once we have the purchase contract, access for a value opinion, and basic borrower documents. As a direct lender using our own funds, we don't wait on outside investors, so we can match the speed cash buyers bring to SF listings.
We do. Backyard cottages and in-law units are one of the strongest ways to add value on tight San Francisco lots. We can lend against the completed value and roll construction costs into the loan, funding up to 100% of the rehab or build budget on qualifying deals.
Rates start at 9.99% and pricing depends on leverage, experience, and exit. We go up to 90% of cost plus 100% of rehab and 75% of after-repair value, on loans from $50K to $50M. Call (877) 300-3007 for a same-day quote.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT