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.
High-desert appraisal timelines in California City can run longer than coastal California — we build that into close-by-date commitments and structure around a $247K median.
Typical California City deals run 60 to 90 day rehab cycles with a quick DSCR refi takeout that pulls bridge capital back out for the next acquisition. Local pocket coverage includes Downtown California City, Borax, Galileo Hill, Silver Saddle and adjacent California City submarkets.
Estimated local median: $247K · Typical loan range: $161K – $309K · Top program: DSCR rental and fix-and-flip
Most California City private money loans we fund range from $161K to $309K, sized against an estimated local median around $247K. Loans outside that range are case-by-case based on parcel and scope.
For California City, our highest-volume program is DSCR rental and fix-and-flip. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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