Amador City is California's smallest incorporated city, a jewel-box Mother Lode town wrapped around a bend of Highway 49 where the old Imperial Hotel and restored brick storefronts of Downtown Amador City draw travelers between Sutter Creek and Drytown. Amador Creek runs through the tiny historic core, and the surrounding hillsides along Old Highway 49 and toward the Drytown border hold vintage miners' cottages, restored homes, and rural parcels. The economy is almost entirely tourism and hospitality driven, built on the town's remarkable state of preservation and its position on one of Gold Country's most scenic highways.
Fidelity Funding lends directly across Amador County and underwrites on the asset and the plan, which is exactly what a town of historic, one-of-a-kind properties requires. A conventional lender often balks at old cottages and mixed-use hospitality buildings, but we look at completed value and your exit. Whether you are restoring a cottage along Amador Creek, converting a property to a short-term rental, or bridging into a downtown hospitality building, we close in five to ten business days and fund up to 90% of purchase plus 100% of rehab.
For a property in Amador City, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Downtown Amador City, Amador Creek, Old Highway 49, Drytown border and adjacent Amador City submarkets.
Illustrative property value: $430K · Illustrative financing range: $280K – $538K · Programs to discuss: historic-district fix-and-flip and small commercial
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $280K to $538K range below is an illustration, not funded-loan history or an offer.
Options to discuss include historic-district fix-and-flip and small commercial, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. Because we underwrite on the asset and completed value, we can fund restorations of vintage cottages and downtown buildings that conventional lenders often decline.
We can help. The town's steady tourism supports strong nightly demand, and our DSCR loans qualify on projected income rather than personal tax returns.
As fast as five to seven business days once title and valuation clear, and generally within five to ten as a direct lender.
Yes, we finance mixed-use and hospitality-adjacent properties along the Highway 49 core, sizing the loan to the property and your exit plan.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT