San Luis Obispo County occupies a scenic stretch of the Central Coast between the Santa Ynez range and the Pacific, home to roughly 282,000+ residents across San Luis Obispo, Paso Robles, Atascadero, Pismo Beach, and Arroyo Grande. Cal Poly anchors a durable student-rental market in SLO, while the Paso Robles wine region, coastal tourism, agriculture, and Diablo Canyon have shaped a diverse economy. The median home value near $825,000 reflects steady demand and a limited-supply market that hasn't seen much new construction. Investors focus on student-housing rentals near Cal Poly, wine-country and vacation-rental plays around Paso Robles and the coast, ADU additions, and value-add flips in Atascadero and the Five Cities area.
Fidelity Funding Corp has been a direct California hard money lender since 2006, and SLO County's blend of university rental demand, tourism, and constrained supply suits our lending well. We fund fix-and-flip, bridge, DSCR, construction, multifamily, and small commercial loans in 5 to 10 business days, using our own capital on loans from $50K to $50M at rates from 9.99% with leverage up to 90% of cost plus 100% of rehab. Whether you're adding student rentals near Cal Poly, building a Paso Robles vacation home, or flipping an Atascadero fixer, we deliver fast, dependable funding. Call (877) 300-3007 to discuss your project.
Financing in San Luis Obispo 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: $825K · Illustrative financing range: $495K – $1.16M · 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 $495K to $1.16M 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. Student demand keeps SLO rentals occupied year after year, and our DSCR program qualifies the loan on the property's rental income instead of your tax returns, which is well suited to a growing student-housing portfolio.
We do fund investment properties used as short-term or vacation rentals in the county's tourism markets. We underwrite the property value and your business plan, and can qualify on projected or actual rental income under our DSCR program.
They can be. With limited new construction and steady rental demand, adding an accessory dwelling unit boosts income and value. We can fund construction up to 100% of the rehab or build budget on qualifying properties.
Typically 5 to 10 business days. As a direct lender we control our own funds, so we can move fast in a low-supply market. Rates start at 9.99%; call (877) 300-3007 for a 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