Big Bear Lake is Southern California's premier alpine resort town, a mountain community in the San Bernardino range where a natural lake, two ski resorts, and year-round recreation drive a powerful vacation economy. The Village serves as the walkable commercial and tourist heart, Boulder Bay and Fox Farm hold lakefront and near-lake cabins, and Moonridge climbs toward the slopes with A-frame chalets and rustic mountain homes. Its housing stock ranges from vintage 1960s-70s cabins to newer custom builds, almost all shaped by the region's dominant short-term rental market that serves visitors escaping the lowlands in every season.
Fidelity Funding is a direct private money lender that has served California investors since 2006, underwriting Big Bear Lake deals on the asset and the exit rather than red tape. Whether you are renovating a dated cabin for the vacation-rental market, bridging to a lakefront purchase, or holding a DSCR mountain rental, we fund in 5 to 10 business days with rates from 9.99% and leverage up to 90% of cost plus rehab. In a seasonal resort market where cabins turn on visitor demand, our in-house speed lets investors capture peak-season upside.
For a property in Big Bear Lake, 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 The Village, Boulder Bay, Moonridge, Fox Farm and adjacent Big Bear Lake submarkets.
Illustrative property value: $468K · Illustrative financing range: $304K – $584K · Programs to discuss: STR DSCR and rehab
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 $304K to $584K range below is an illustration, not funded-loan history or an offer.
Options to discuss include STR DSCR and rehab, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Very. Skiing, the lake, and year-round recreation drive constant visitor demand, though you must follow the city's short-term rental permitting rules.
Dated 1960s-70s cabins near The Village, the lake, or the slopes offer the most upside, since turnkey rentals in those locations command premium nightly rates.
Yes. We underwrite on the asset and a realistic exit, factoring in seasonality, snow-country construction, and the local rental market.
Typically 5 to 10 business days, and as fast as 5-7 when title and appraisal cooperate, since we lend directly and decide in-house.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT