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.
For a property in Calipatria, 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 Calipatria, Bowles, Niland border, Sonny Bono area and adjacent Calipatria submarkets.
Illustrative property value: $192K · Illustrative financing range: $125K – $240K · Programs to discuss: DSCR rental and small commercial
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 $125K to $240K range below is an illustration, not funded-loan history or an offer.
Options to discuss include DSCR rental and small commercial, 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 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