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Fidelis Funded Loans

Fidelis Private Fund provides bridge financing for a number of different property types and situations. We aim to provide value through rapid decisions, creative solutions, and timely execution. Below are some examples of funded transactions along with the corresponding stories. If one of these stories piques your interest and you’d like to learn more or explore how we may help you, please contact us.

$565,000 Purchase/Bridge Loan

 A repeat client negotiated a below market price to purchase a single-family investment property in San Diego that required only some cosmetic improvements, and needed to close in less than 10 days.

The buyer needed a lender that would perform fast and make it an easy process.

$530,000 Purchase/Bridge Loan

A client referral was in escrow to purchase a commercial property to be used as an owner-occupied commercial property; however, tenants still in the property needed to be vacated before a conventional lender would fund the loan.

The borrower needed a flexible bridge lender to fund the purchase and allow time for the borrower to vacate the tenants and cure some deferred maintenance.  

$150,000 Purchase/Bridge Loan

A referral from a Fidelis investor had the opportunity to purchase a fixer-upper single-family residence in San Diego and needed to close fast.

The buyer needed a lender that would perform within days and make it an easy process.

$675,000 Purchase/Bridge Loan

A borrower needed a bridge lender to fund the purchase of a mixed-use investment property with a commercial unit in front and two detached single-family residential units in the back.

The borrower needed a bridge lender that understood that the property was currently rented at under market rents and needed time to raise the existing rents to market and season the property to refinance with a conventional lender.

$700,000 Purchase/Bridge Loan

A repeat client was in contract for almost two years to purchase a single-family residence in the Bay Park area of San Diego with a locked-in purchase price of $825,000.

The buyer did not close on the transaction until July 2021 due to difficulty in removing the tenants. During that time, the property value when up over $500,000, creating an extremely profitable investment with the locked-in purchase price.

$600,000 Refinance/Rehab/Bridge Loan

A local San Diego client owns a residential lot free and clear in an upscale, residential neighborhood in Pasadena, CA. They have the opportunity to own a large single-family residence for free if they can move it off its foundation and onto the nearby residential lot they own.

The borrower needed a lender to provide a loan to cover the costs of moving the house and remodeling it after relocation. The lot value alone is $650,000, and once the home is moved and renovated, the subject property will be valued at over $2,000,000.

$590,000 Refinance/Bridge Loan

A repeat client owned a free and clear single-family investment property and needed to quickly access some of the equity in the property in the form of a cash-out refinance loan to purchase another investment property.  

$675,000 Purchase/Bridge Loan

A client was in escrow to purchase five detached, single-family residences, bungalows in need of remodeling on one parcel in the South Park Community of San Diego. The purpose of the loan was to acquire the property, remodel the five cottages, raise the rents, and refinance with conventional financing.   

$500,000 Purchase/Rehab/Bridge Loan

A repeat client owner/operator of a successful Auto Towing business was in escrow to purchase a multi-tenant industrial building for $1,500,000 as an owner user. The borrower owned the adjacent parcels to the east, so the purchase of the subject property enhanced the value of his business with the assembled parcels.

$1,100,000 Purchase/Bridge Loan

A repeat client owner/operator of a successful Auto Towing business was in escrow to purchase a multi-tenant industrial building for $1,500,000 as an owner user. The borrower owned the adjacent parcels to the east, so the purchase of the subject property enhanced the value of his business with the assembled parcels.

$595,000 Purchase/Bridge Loan

A repeat client negotiated an excellent price to purchase a single-family investment property with the plans to add additional dwelling units (ADU’s) to the site. The purpose of the loan was to acquire the property and later provide additional funds to construct improvements.

$310,000 Refinance/Const. Loan

A repeat Fidelis client, an owner-builder/contractor, built out of pocket a newly constructed single-family residence he owned free and clear that was partially finished.  The borrower wanted a short-term loan to finish the construction.

$550,000 Purchase/Bridge Loan

A repeat client negotiated an excellent price to purchase a single-family investment property that needed cosmetic improvements.

The buyer needed a lender that would perform fast and make it an easy process.

$995,000 Refinance/Bridge Loan

A repeat client, an experienced real estate investor, and a general contractor needed cash liquidity for another investment opportunity. Instead of selling his property to access the cash, he wanted a refinance a cash-out loan from a lender that was quick and hassle-free.

$1,390,000 Refinance/Construction/Bridge Loan

An experienced real estate investor and client referral purchased several residential properties all cash, and over the past year, entitled the properties for additional rental units.

He now wanted to pull some cash out to purchase other investment property and have funds to remodel and build additional units on the subject property.

$1,265,000 Refinance/Construction/Bridge Loan

An experienced real estate investor and client referral purchased several residential properties all cash, and over the past year, entitled the properties for additional rental units.

He now wanted to pull some cash out to purchase other investment property and have funds to remodel and build additional units on the subject property.

$450,000 Purchase/ Bridge Loan

A repeat client and successful real estate broker was in contract to purchase a residential duplex with two detached residential units and needed to close in less than a week. The borrower is an experienced real estate investor and plans to remodel the improvements and increase the rents.

$560,000 Purchase/ Bridge Loan

A client referral was in contract to purchase a former neighborhood fire station in Fallbrook, CA, below-market. The borrower plans to remodel the improvements into a residential care facility or group home, which is believed to be the highest and best use.

$390,000 Purchase/ Bridge Loan

A repeat client negotiated below-market price to purchase a single-family investment property that needed some cosmetic improvements

$1,155,000 Purchase/ Bridge Loan

A repeat client needed to close on the purchase of a residential duplex investment property in less than a week. It was a historical residence in the community of Golden Hill, San Diego. The borrower had some cash from a 1031 exchange and a lot of equity tied up in another residential investment property owned in La Jolla.

$407,000 Purchase/ Rehab Bridge Loan

A repeat borrower who is an experienced general contractor needed a quick bridge loan to purchase a single-family investment property with a San Diego bay view. It needed to close in less than a week.

$1,425,000 Refinance / Bridge Loan

The owners own and operate an adult residential care facility. They needed to refinance to pay off a partner before they could refinance with an approved SBA loan. They needed to close fast.

$200,000 Refinance / Rehab / Bridge Loan

A client purchased two investment mixed-use properties for $650,000 with a seller carry-back note of $475,000. The properties were rented at below-market rents. The borrower needed a bridge lender to fund $200,000 in rehab costs to generate market rent.

$210,000 Refinance / Bridge Loan

A repeat client needed to pay off a 2nd Trust Deed loan that had matured secured by a single-family property. As a way to expedite the process, the borrower offered to provide a 1st Trust Deed on a single-family investment property owned free and clear

$550,000 Purchase / Bridge Loan

A repeat borrower needed a quick bridge loan to purchase a single-family investment property in Oceanside, CA, that needed to close in less than two weeks. The borrower wanted to use the equity in his properties in lieu of cash down in structuring the financing for the purchase.

The purchase price was $600,000. The borrower already had a buyer in contract to purchase the property for $675,000 once the loan was closed.  

$420,000 Refinance / Bridge Loan

A client needed a bridge loan to refinance an existing private loan and fund the remaining costs to complete two manufactured homes on two separate parcels.
The two manufactured homes were built and ready to be moved onto the site. The appraised value of the two houses was $700,000 or $350,000 each.

$1,550,000 Purchase / Bridge Loan

The borrower needed a quick bridge loan to purchase an industrial warehouse/office building that would be owner-occupied. Their SBA loan with the Bank was approved but could not fund in time to meet the seller’s deadline to purchase the property.

$270,000 Purchase / Bridge Loan

The timing was right for our borrower when they found an off-market opportunity to purchase an affordable single-family fixer-upper investment property below market value. The seller needed to sell quickly.

$245,000 Purchase / Bridge Loan

A repeat client negotiated a below-market price to purchase a single-family investment property that needed to close within a week. The borrower planned to remodel the house for resale.

$400,000 Purchase / Bridge Loan

An existing Fidelis borrower and Fidelis investor, experienced business owner, and real estate investor purchased an owner-occupied commercial property in Riverside, CA. He needed a quick bridge loan to buy a property that will be refinanced with conventional financing. 

$150,000 Refinance Cash-Out / Bridge Loan

A previous client owned a single-family residential investment home free and clear, recently remodeled and ready for sale, and needed $150,000 cash out to pay off another investment debt. 

The conservative market value of the property was $890,000 or a 17% LTV ratio. The property was in an excellent San Diego residential neighborhood with great views.

$500,000 Purchase / Bridge Loan

A prior client, experienced business owner, and real estate investor teamed with a partner. They needed a quick bridge loan to purchase a commercial property/owner-occupied in a matter of days.

The purchase price was $700,000 or 71% loan to cost. An appraisal supported the value after the remodel of $860,000 or 58% LTV. The borrower was pre-approved for an SBA loan, but the SBA loan could not close in time for the borrower to purchase the property.

$295,000 Purchase / Bridge Loan

An existing client referred a borrower to Fidelis, a business owner who needed a bridge loan to purchase a commercial property. 

The purchase price was $430,000 or 68% loan to cost. The property location is in a transitioning area once a residential home is now zoned commercial and used for commercial purposes.  Once re-tenanted for occupancy, it is conservatively valued over $500,000 or 59% LTV.

$300,000 Refinance / Const. Loan

A repeat Fidelis client, an owner-builder/contractor, needed a construction loan to complete a single-family investment property. The market value of the completed property is conservatively estimated based on sale comps at $600,000 or 50% LTV.

$450,000 Purchase / Bridge Loan

A repeat client negotiated another below-market price to purchase a single-family investment property that needed little to no work.
This type of investment opportunity is hard to come by these days when there is not a lot of improvements to be done to create value. The buyer was scheduled to close in a few days and needed a lender that would perform and make it happen.

$210,000 Purchase / Rehab Bridge Loan

A referral from a long time client needed to close on the purchase of a large single-family investment property in Spring Valley, CA, in less than one week with a conservative loan at 24% LTV.

$845,000 Purchase / Rehab Bridge Loan

The subject borrower came from an existing client referral. The investor needed a loan to purchase a “Fixer-Upper” single-family residential investment property in the excellent community of Kensington in San Diego, CA.

$750,000 Refinance / Bridge Loan

A referral from an existing client needed a refinance cash-out bridge loan. The purpose was to recoup a portion of an all-cash purchase of a residential condo investment property with oceanfront views in La Jolla, CA.

$938,000 Purchase / Const. Loan

Two partners, a general contractor and repeat client, and a real estate investor, needed a construction loan to build two residential units in San Diego, CA. The acquisition included one parcel with the lot being split into two separate lots creating added value.

$555,000 Purchase / Rehab Loan

An experienced real estate investor and repeat client needed a loan in a matter of days to purchase a “Fixer-Upper” single-family residential investment property in Chula Vista, CA.

$770,000 Purchase / Bridge Loan

A repeat client needed a bridge loan to purchase a single-family investment property in the Hillcrest Community of San Diego. It was the third of three properties the borrower purchased that were all contiguous to each other. The borrower assembled the three properties to be sold to a developer for a multi-family project.             

$150,000 Refinance Cash-Out / Bridge Loan

A long time client and business owner of a multi-tenant commercial property in Laguna Beach, CA, had most of his cash liquidity tied up in equity in the property. He was in the process of restructuring the debt on the property and needed to pull some cash out to accomplish his goal.

$450,000 Refinance Cash-Out / Bridge Loan

A successful real estate investor wanted to tap cash equity in his properties to purchase another income property. Rather than selling a property to obtain the cash, he wanted a lender to consider refinancing a few of his existing properties to pull cash out as the equity to purchase a 6 unit apartment.

$545,000 Purchase / Bridge Loan

A repeat client negotiated a below-market price to purchase a “Fixer-Upper” single-family residential investment property in an excellent location in the Del Cerro community of San Diego. The borrower had to close in a matter of days and needed a lender that would perform fast and make it an easy process. A short Video is included.

$300,000 Refinance / Bridge Loan

A repeat client needed a loan to rehab a dilapidated single-family residence with one detached residential unit and garage in the rear of the property. The property is located on a corner lot in an excellent location in the community of Pacific Beach on Grand Avenue.

$590,000 Refinance / Construction Loan

An experienced general contractor needed a construction loan, as an owner/builder, to build a residential duplex with an auxiliary unit for a total of three residential units in an excellent location in the community of South Park San Diego.

$361,250 Purchase / Bridge Loan

An experienced real estate broker negotiated a below-market price to purchase a “Fixer-Upper” single-family residential investment property in San Diego, CA. The borrower needed a lender who would acknowledge the real market value vs. just focusing on the purchase price. She needed a lender that would listen to the story and recognize the real market value.

$918,750 Purchase / Bridge Loan

A repeat Fidelis client needed a bridge loan to close on the purchase of a single-family residence in La Jolla, CA.  The borrower qualified for a permanent loan with a conventional lender, but the seller would not extend the escrow long enough to close with the traditional financing.

$1,140,000 Refinance / Construction Loan

Two partners, a general contractor and real estate investor, needed a construction loan to build two detached residential duplexes in Vista, CA. A total of four apartment units.

The borrower’s obtained the permits necessary to start construction and were ready to build. They and did not want to wait and go through the conventional, institutional financing process and further delay the project start date.

$195,000 Purchase / Bridge Loan

A borrower had an opportunity to purchase a commercial investment property located in Lakeside, CA, at an excellent price and needed to close fast.

$300,000 Refinance / Bridge Loan

A borrower needed to access cash equity in an existing residential investment property located in Escondido, CA, to purchase another business investment. Instead of having to sell the property, the borrower wanted to refinance and pull cash out as well as use his personal residence as additional collateral as an “abundance of caution.”

$300,000 Refinance / Bridge Loan

A repeat Fidelis client, owner-builder/contractor, needed to access cash equity in a newly constructed single-family residence he owned free and clear. The borrower wanted a short term cash-out loan for other investment opportunities.

$900,000 Construction / Bridge Loan

An experienced general contractor and repeat client needed a construction loan to build two detached single-family investment properties in North County San Diego. The borrower had previously split a parcel with a single-family residence on it into three parcels leaving two vacant parcels to build two new homes.

$200,000 Purchase / Bridge Loan

A repeat client negotiated a below-market price to purchase a “Fixer-Upper” single-family residential investment property in El Cajon, CA. The borrower had to close fast and needed a lender that would perform and make it an easy process.

$200,000 Purchase / Bridge Loan

A repeat client needed a quick, short-term loan to purchase a single-family residential investment property in the San Diego area. The borrower secured the purchase at an excellent price and planned to make cosmetic improvements to the property for resale.

The purchase price was $432,000, and the borrower put down 54% of the purchase price or $232,000, with a conservative $200,000 loan.

$180,000 Purchase / Bridge Loan

An aspiring real estate investor needed a quick, short-term loan to purchase a single-family residential investment property in the San Diego area. The borrower secured the purchase at a below-market price and planned to make cosmetic improvements to the property for resale.

The purchase price was $455,000, and the borrower put down 60% of the purchase price or $275,000, a very conservative loan most any lender would do.

$320,000 Purchase / Bridge Loan

A repeat client and experienced real estate investor had an opportunity to purchase a single-family residence in El Cajon, CA as an investment property at below market value. The plan was to add value by converting a garage into a detached ADU (Accessary Dwelling Unit) and hold as a rental property.

$405,000 Purchase / Bridge Loan

A real estate investor had an opportunity to purchase a single-family residence in the San Diego area as fix & flip investment property and needed to close within a week. Fidelis Private Fund moved fast and provided a $405,000 short term 1st Trust Deed or a 70% LTV ratio.

$250,000 Refinance / Rehab / Bridge Loan

Fidelis Private Fund moved fast and funded a $250,000 short term 1st Trust Deed loan structured with a $100,000 initial advance with the $150,000 held for the remodel and improvement costs.

$415,000 Purchase / Bridge Loan

Fidelis Private Fund was able to move fast and closed a $415,000 short term 1st Trust Deed loan on the duplex and cross-collateralized the loan with the apartment to provide the funds to purchase and rehab the duplex or conservatively at a 57% combined loan to value.

$287,000 Purchase / Bridge Loan

An experienced mortgage broker who is also a Fidelis client was in the process of providing conventional financing for the purchase of a $410,000, single-family investment property for one of his clients. Just before closing, the lender was not able to perform. The borrower needed another lender that would come in and provide a loan for a quick close so that she would not lose the investment opportunity.

$350,000 Refinance / Bridge Loan

The Fidelis Private Fund loan helped the borrower access cash equity in a property that was owned free and clear, allowing him to use the proceeds to profit on another investment opportunity.

$375,000 Acquisition / Bridge Loan

The Fidelis Private Fund stepped in to help the borrower acquire an underperforming asset creating immediate equity with the purchase price less than the ‘as is’ market value. Also, once stabilized occupancy is achieved considerable value will be added.

$250,000 Refinance / Bridge Loan

Fidelis Private Fund closed a $250,000,000 short term 2nd Trust Deed loan. The income approach to value once stabilized as a for lease parking lot results in a conservative market value of over $2,000,000 or a 44% LTV ratio (combined 1st & 2nd).

$900,000 Refinance / Construction Loan

A referral from a repeat client was in escrow to purchase a stand-alone industrial warehouse/office building in an industrial park that would eventually be an owner-occupied, single-tenant property. The borrower wanted a lender that would perform and make it an easy loan process.

$650,000 Acquisition / Mini-Perm Loan

Fidelis Private Fund, provided a 1st Trust Deed, three-year loan of $650,000 or 68% LTV. The exit strategy is a refinance with a conventional lender once it is owner-occupied and stabilized.

$750,000 Loan (Participation) $1,500,000 Acquisition / Bridge Loan

An experienced real estate developer/repeat client was in escrow to purchase an entitled and improved commercial land parcel for $3,150,000 in Cota de Caza, CA, a community east of Mission Viejo in Orange County. The borrower plans to construct approximately 18,000 sq.ft. of commercial space in three buildings. The three buildings are essentially 100% preleased and scheduled to start construction early 2020.

$550,000 Acquisition / Bridge Loan

Fidelis Private Fund provided a $550,000 short term loan or 69% LTV. The borrower plans to remodel and expand the SFR and develop the adjacent vacant lot (separate parcel) with a detached SFR.