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.
Historic-district overlays and permit timelines shape Amador City renovation projects, but the resulting product trades at a premium to the $430K local median.
Investor exits in Amador City skew to design-driven owner-occupant buyers, so loan structures include enough rehab runway to deliver finished product, not contractor-special listings. Local pocket coverage includes Downtown Amador City, Amador Creek, Old Highway 49, Drytown border and adjacent Amador City submarkets.
Estimated local median: $430K · Typical loan range: $280K – $538K · Top program: historic-district fix-and-flip and small commercial
Most Amador City private money loans we fund range from $280K to $538K, sized against an estimated local median around $430K. Loans outside that range are case-by-case based on parcel and scope.
For Amador City, our highest-volume program is historic-district fix-and-flip and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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