Auburn is the Placer County seat and a historic Gold Rush town in the Sierra foothills along I-80, celebrated for its well-preserved Old Town with brick storefronts, the landmark firehouse, and its identity as the Endurance Capital of the World for the trail races that draw athletes to the American River canyon. The housing stock ranges from historic Old Town and Downtown Auburn homes to newer hillside developments like Skyridge and the wooded Auburn Lake Trails community. Its foothill charm, outdoor draw, and commuter access to Sacramento keep demand steady.
Fidelity Funding lends directly across California, and our asset-based approach fits Auburn's mix of historic value-add stock and foothill lifestyle demand. We underwrite the property and the plan and close in as little as five to seven business days. Whether an investor is restoring a historic Old Town home, holding a rental on DSCR terms backed by commuter and tourism demand, or bridging a Skyridge purchase, our capital keeps pace in this desirable Gold Country market.
Historic-district overlays and permit timelines shape Auburn renovation projects, but the resulting product trades at a premium to the $675K local median.
Investor exits in Auburn 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 Old Town Auburn, Downtown Auburn, Skyridge, Auburn Lake Trails and adjacent Auburn submarkets.
Estimated local median: $675K · Typical loan range: $439K – $844K · Top program: historic-district fix-and-flip and small commercial
Most Auburn private money loans we fund range from $439K to $844K, sized against an estimated local median around $675K. Loans outside that range are case-by-case based on parcel and scope.
For Auburn, 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. Auburn's Old Town and Downtown historic stock is prime value-add material, and we cover up to 100% of rehab costs on an asset basis.
Absolutely. Our DSCR loans qualify on the property's rental income, which suits the commuter and tourism-driven demand here.
Yes, we bridge and finance homes in the wooded Auburn Lake Trails community, underwriting the asset and the exit.
As fast as five to seven business days once title and appraisal clear, since we make decisions in-house as a direct lender.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT