Banning sits in the San Gorgonio Pass along Interstate 10, a historically working-class gateway between the Inland Empire and the Coachella Valley that has long offered affordability well below coastal California. Downtown Banning retains older bungalows and craftsman-era homes, the Sun Lakes area anchors an active-adult golf community, and West and East Banning hold a mix of postwar and later tract homes. The Pass economy leans on distribution, the nearby Morongo development, and I-10 commerce, and the corridor's wind-energy and logistics activity keeps a steady base of working renters in the area.
Fidelity Funding is a direct private lender that has served California investors since 2006, underwriting Banning deals on the asset and the exit rather than a slow committee. Whether you are flipping an older Downtown Banning home or holding a DSCR rental for the I-10 workforce, we fund in 5 to 10 business days with rates from 9.99% and leverage up to 90% of cost plus rehab. In an affordable Pass market, our in-house speed helps investors act on value while the numbers still make sense.
Banning fits the classic suburban California fix-and-flip profile: a $570K median, predictable comp sets, and a deep first-time-buyer pool.
Most Banning loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes Downtown Banning, Sun Lakes, West Banning, East Banning and adjacent Banning submarkets.
Estimated local median: $570K · Typical loan range: $371K – $713K · Top program: fix-and-flip and DSCR rental
Most Banning private money loans we fund range from $371K to $713K, sized against an estimated local median around $570K. Loans outside that range are case-by-case based on parcel and scope.
For Banning, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Its affordability along the I-10 Pass corridor allows lower entry costs and stronger rental yields, supported by logistics jobs and regional commerce.
Older Downtown bungalows and craftsman homes, postwar and later tract homes, and small multifamily. These support both entry-level flips and DSCR holds.
Yes. Distribution, wind-energy, and I-10 corridor employment keep a steady base of working renters, which supports income-qualified DSCR loans.
Up to 90% of purchase plus 100% of rehab, capped at 75% of after-repair value, with terms based on the deal and your experience.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT