The borrower owned a free-and-clear commercial property in Vista, CA that was under contract to be sold for $960,000. They required immediate liquidity for an unrelated project and needed to access $200,000 quickly. Traditional refinancing would have been too slow, and time was of the essence to...
A borrower was in escrow to acquire a prime residential investment property but faced an unexpected issue just before closing: their conventional lender failed to perform in time. With a significant deposit at risk and the closing deadline rapidly approaching, the borrower urgently needed a...
By John Lloyd, CEO, Fidelis Private Fund When investors first hear about the stability and predictability of private debt’s Fixed Income, two common fears arise: The Exclusion Barrier (“Will I be excluded if I don’t have millions?”) and The Illiquidity Trap (“Will...
By John Lloyd, CEO, Fidelis Private Fund If you’ve looked at your investment portfolio lately and felt a familiar knot in your stomach, you aren’t alone. For decades, the golden rule of investing was simple: allocate 60% to stocks for growth and 40% to bonds for safety. The theory was that when...
By John Lloyd, CEO, Fidelis Private Fund When I talk with new investors, the question always comes up: “What exactly am I buying? Do I own a piece of real estate? Am I a landlord?” This is a fair question, as the world of private funds often uses confusing jargon. The answer is...
An experienced real estate investor and licensed broker sought to refinance an existing bridge loan approaching maturity on a single-family residence with an accessory dwelling unit (ADU). The borrower had invested significant capital into improvements since acquiring the property and was...
An experienced investor was under contract to acquire a long-established nursery business in California’s Imperial Valley. The seller, retiring after decades of ownership, required a quick close. The borrower had committed significant equity to the transaction but needed to secure the remaining...
A longtime San Diego business professional with decades of experience in the cold storage and logistics industry sought to reposition a canyon-rim single-family property in the Mission Hills neighborhood. The existing structure was uninhabitable and required full redevelopment. The borrower...
An experienced development group sought construction financing to support the ground-up development of a higher-density multifamily project on an infill site. The business plan required a lender capable of funding a substantial build-out, and administering a controlled draw process without the...
A long-held single-family residence required a comprehensive renovation to modernize the home and enhance its market appeal. The project required a lender willing to provide a conservative rehab loan with a controlled draw structure, supporting a full interior and exterior upgrade without...
If you have watched the financial news lately, or simply glanced at your portfolio balance on a particularly turbulent Tuesday, you know the feeling. It is that subtle knot in your stomach—the uncertainty that comes when the public markets react violently to a headline, an earnings report, or a...
An experienced real estate developer and repeat Fidelis client needed financing to reposition an older residential asset into a modern 10‑unit multifamily community. The project required a lender capable of combining a refinance with a structured construction holdback, ensuring controlled...
An experienced real estate developer Fidelis has funded numerous loans for, all of which have been paid as agreed, and needs financing to reposition an older residential property into a modern multifamily community. The project involved a full interior and exterior transformation of the existing...
The difference between a swift loan approval and frustrating delays often comes down to the quality of the initial application. For real estate investors seeking private financing, a well-prepared loan package not only accelerates the approval process but can also lead to more favorable terms...
A local family inherited a free-and-clear infill property and wanted to redevelop it into new multifamily housing while keeping the existing residence. The project required a construction lender who could underwrite a ground-up build, support a clear entitlement path, and manage a structured...
Introduction In today’s investment landscape—characterized by persistent inflationary pressures, shifting monetary policy, and heightened equity-market volatility—reliable cash flow has emerged as the linchpin of portfolio resilience. The benchmark 10‑year U.S. Treasury yield has oscillated...
Even the most promising real estate opportunities can falter when financing fails. For investors relying on private lending, understanding and avoiding common approval pitfalls can mean the difference between capitalizing on opportunities and missing out on them. While private lenders typically...
Fidelis was approached by a seasoned developer needing to refinance an existing land loan and provide funds to finalize entitlement approvals for a tentative map for a 73-lot residential subdivision located off Highway 67 in Lakeside, California. While land development loans are typically...
Fidelis Private Fund provided a $300,000 cash-out refinance loan secured by a free and clear commercial gas station, at a conservative 17% LTV ratio, located along a key transportation corridor in California’s Central Valley. The borrower, an experienced business owner with multiple real estate...
Fidelis Private Fund was approached to fund the acquisition and conversion of an aging 3-story hotel into a single-room occupancy (SRO) housing project in the heart of downtown San Diego. The borrower faced the challenge of securing financing for a unique transitional housing redevelopment—one...
