California City occupies a sprawling stretch of the Mojave Desert in eastern Kern County, famous for its ambitious 1950s master plan that laid out a vast grid of streets across desert land that was never fully built out. Today it is the state's third-largest city by land area but modest in population, with an economy tied to the Boron borax mine, nearby Edwards Air Force Base, and a state prison. Downtown California City holds the developed core and older homes, the Borax and Silver Saddle areas add residential and recreational pockets, and Galileo Hill anchors the desert's northern reaches. Wide-open land and low entry prices define the market.
Fidelity Funding is a direct, asset-based lender, so a California City investor works with the people who approve the loan rather than a distant committee. We underwrite the property and the exit instead of a thick income file, and we routinely close in five to ten business days. Whether you are rehabbing an older desert home, holding a DSCR rental for mine, base, and prison workers, or bridging a commercial building downtown, our capital fits this unusual high-desert market.
For a property in California City, 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 California City, Borax, Galileo Hill, Silver Saddle and adjacent California City submarkets.
Illustrative property value: $247K · Illustrative financing range: $161K – $309K · 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 $161K to $309K 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 flips, small multifamily, DSCR rentals, and small commercial across Downtown California City, Borax, Galileo Hill, and Silver Saddle, underwriting each deal on the asset.
We lend from $50K and up, so even value-priced California City deals can qualify when the collateral and exit support the loan.
Yes. Mine, base, and prison employment keeps rental demand steady, and we qualify DSCR loans on the property's cash flow rather than your personal income.
As fast as five to seven business days once title and valuation clear. As a direct lender, we control the timeline rather than waiting on a bank.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT