Bishop is the largest town in the Owens Valley and the commercial hub of the Eastern Sierra, sitting where Highway 395 meets the recreation gateways to the mountains, the fishing waters of Bishop Creek, and the corridor between Mammoth Lakes and the Southern California desert. Downtown Bishop keeps a walkable Main Street of shops, motels, and the bakeries the town is known for, while West Bishop and South Bishop hold a mix of older single-family homes, ranch properties, and newer builds. The economy blends tourism, agriculture, LADWP land dynamics, and the year-round trade that comes from being the only real service center for a vast rural region.
Fidelity Funding lends directly across Inyo County and underwrites on the asset and the plan, not a borrower's tax returns. That approach fits Bishop, where the housing is older, land ownership is unusual, and steady visitor traffic supports both rentals and small commercial. Whether you are flipping a West Bishop fixer, holding a DSCR rental near downtown, or financing a small commercial building along Main Street, we close in as little as five to seven business days and fund up to 90% of purchase plus 100% of rehab.
For a property in Bishop, 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 Bishop, West Bishop, South Bishop, Bishop Creek and adjacent Bishop submarkets.
Illustrative property value: $224K · Illustrative financing range: $146K – $280K · Programs to discuss: DSCR rental and fix-and-flip
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 $146K to $280K range below is an illustration, not funded-loan history or an offer.
Options to discuss include DSCR rental and fix-and-flip, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
We lend on single-family flips, small multifamily, DSCR rentals, and small commercial across Downtown Bishop, West Bishop, and South Bishop, all on an asset basis.
It can be, since it is the region's only real service center, supporting steady year-round rental demand. Our DSCR loans qualify on rental income rather than personal income.
As fast as five to seven business days once title and valuation clear, with a typical range of five to ten.
Yes, we fund small commercial and mixed-use buildings along the Main Street corridor, 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