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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 geopolitical shift. For many accredited investors, […]

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 disbursements and timely project execution—flexibility not available from conventional lenders.

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 structure, along with the construction of multiple new rental units on-site. The developer required a construction lender capable of supporting a complex redevelopment plan, coordinating a structured draw process, and providing a faster, more flexible execution path than conventional lenders could offer.

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. Understanding what makes an application stand out helps borrowers navigate […]

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 draw process from pre-construction through completion—without the delays and rigidity of conventional financing.

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 around 4.3 % in recent months, leaving many traditional fixed‑income allocations struggling to keep pace with rising living costs and capital‑preservation goals […]

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 offer greater flexibility than conventional financing sources, specific issues consistently trigger delays, unfavorable terms, […]

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 outside Fidelis’s focus, this project stood out due to the low leverage, strong equity, and the developer’s proven track record. The borrower required quick and flexible financing to keep the project moving forward.

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 and fuel station holdings, sought to unlock equity from an existing asset in order to pursue new investment opportunities.

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 that required a lender able to move quickly and understand both the value and impact of the transformation. Traditional financing options were limited due to the building’s prior use and the borrower’s need to close within a tight timeline.