Santa Cruz County wraps the northern shore of Monterey Bay, a coastal county of roughly 270,000+ residents spanning Santa Cruz, Watsonville, Capitola, Scotts Valley, and the redwood communities of the San Lorenzo Valley. Its economy leans on UC Santa Cruz, tourism and the Boardwalk, agriculture around Watsonville's berry and vegetable fields, and a spillover of Silicon Valley professionals who commute over Highway 17. Severe supply constraints and coastal appeal push the median home value near $1.2M, well above the county's local wages. Investors here work coastal and beach-adjacent flips, student rentals near UCSC, ADU and infill additions, and value-add on older cottages and multifamily in Santa Cruz and Capitola.
Fidelity Funding Corp has funded California real estate directly since 2006, and Santa Cruz County's tight supply, university demand, and coastal premiums make speed and certainty essential. As a direct lender we close bridge, fix-and-flip, 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 renovating a Capitola cottage, adding an ADU in Santa Cruz, or bridging a Watsonville purchase, we underwrite fast and fund reliably. Call (877) 300-3007.
Financing in Santa Cruz 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: $1.2M · Illustrative financing range: $720K – $1.68M · 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 $720K to $1.68M 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. UCSC drives steady rental demand, and our DSCR loans qualify on the property's rental income rather than tax returns. That makes it straightforward for investors to build a student-housing portfolio in the city of Santa Cruz.
We can. In such a supply-constrained market, adding an accessory dwelling unit is one of the best ways to increase income and value. We can lend against the completed value and fund up to 100% of the rehab or build budget on qualifying projects.
Typically 5 to 10 business days. As a direct lender we don't wait on outside investors, so we can move quickly on limited coastal inventory and help you compete against cash buyers in Santa Cruz County.
Up to 90% of purchase cost plus 100% of rehab and 75% of after-repair value, on loans from $50K to $50M with rates from 9.99%. Call (877) 300-3007 for terms on your specific deal.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT