Camarillo lies in the fertile Oxnard Plain of Ventura County, a mild-climate suburb known for the Camarillo Premium Outlets, CSU Channel Islands nearby, and a mix of Spanish-influenced neighborhoods from Mission Oaks and Camarillo Heights to the hillside Las Posas Estates and the Leisure Village retirement community. Its housing spans 1960s-80s ranch homes, newer tracts in Springville and Sterling Hills, and an Old Town core, all surrounded by working farmland that gives the area its agricultural edge. Proximity to the coast, the 101, and steady employment keep demand firm from families, retirees, and university-linked renters.
As a direct, asset-based lender, Fidelity Funding funds Camarillo investors on the deal rather than income documents. We finance flips of the area's aging ranch stock, ADU additions, small commercial near the ag economy, and DSCR rentals serving university and family demand. Lending across California since 2006 with rates from 9.99% and closings in 5 to 10 business days, we give Ventura County investors the speed to act on off-market opportunities and hold or exit on their terms.
Camarillo fits the classic suburban California fix-and-flip profile: a $808K median, predictable comp sets, and a deep first-time-buyer pool.
Most Camarillo loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes Mission Oaks, Camarillo Heights, Springville, Las Posas Estates, Sterling Hills, Village at the Park and adjacent Camarillo submarkets.
Estimated local median: $808K · Typical loan range: $525K – $1.01M · Top program: fix-and-flip and DSCR rental
Most Camarillo private money loans we fund range from $525K to $1.01M, sized against an estimated local median around $808K. Loans outside that range are case-by-case based on parcel and scope.
For Camarillo, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Camarillo's 1960s-80s ranch stock in Mission Oaks and Camarillo Heights is prime for renovation, financed to the after-repair value.
It is. The nearby university sustains student and staff rental demand, which supports DSCR buy-and-holds in Camarillo.
We fund small commercial on an asset basis, which fits an area shaped by agriculture and steady retail activity.
Typically 5 to 10 business days, keeping you competitive on off-market Camarillo opportunities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT