Calipatria is a small Imperial County farm town on the northeastern edge of the Imperial Valley, near the Salton Sea and the Sonny Bono National Wildlife Refuge. Known for having a flagpole tall enough to fly the flag at sea level despite sitting below it, the town is defined by agriculture, geothermal energy production along the region's rich renewable corridor, and the nearby state prison that anchors public-sector jobs. Housing centers on older homes in Downtown Calipatria and the Bowles area, with modest residential stretching toward the Niland border and the wildlife-refuge lands. Prices are among the lowest in California, drawing value-focused investors betting on ag and energy-sector stability.
Fidelity Funding is a direct, asset-based lender, so a Calipatria investor deals directly with the decision-makers. We underwrite the property and the exit rather than pages of tax returns, and we close in five to ten business days. Whether you are rehabbing an older downtown home, financing a small commercial building, or holding a DSCR workforce rental tied to ag and energy employment, our capital moves at the pace this remote valley market requires.
Calipatria anchors a productive agricultural corner of California where DSCR rental yields and small-commercial bridge dominate investor activity.
Investor exits in Calipatria typically involve a DSCR refi or small commercial stabilization play. Local pocket coverage includes Downtown Calipatria, Bowles, Niland border, Sonny Bono area and adjacent Calipatria submarkets.
Estimated local median: $192K · Typical loan range: $125K – $240K · Top program: DSCR rental and small commercial
Most Calipatria private money loans we fund range from $125K to $240K, sized against an estimated local median around $192K. Loans outside that range are case-by-case based on parcel and scope.
For Calipatria, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on single-family flips, small multifamily, DSCR rentals, and small commercial across Downtown Calipatria, Bowles, the Niland border, and the Sonny Bono area. Older homes and modest residential qualify on an asset basis.
Yes. Agriculture, geothermal energy production, and the state prison provide steady employment, which supports a workforce renter base for DSCR buy-and-hold at very low entry prices.
Extremely low acquisition prices and stable ag and energy-sector jobs let patient investors buy in cheaply; our asset-based underwriting funds the deal on the property's merits rather than requiring a thick income file.
As fast as five to seven business days after title and valuation clear. As a direct lender, we move quickly even for remote valley deals.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT