Chico is an established suburban market in Butte County with strong owner-user and investor demand, deep single-family inventory, and steady rental absorption.
Fidelity Funding provides hard money loans, private money, and bridge financing for Chico borrowers across fix and flip, rental, and small commercial scenarios.
Chico fits the classic suburban California fix-and-flip profile: a $366K median, predictable comp sets, and a deep first-time-buyer pool.
Most Chico 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 Downtown Chico, Chico State area, Avenues, California Park and adjacent Chico submarkets.
Estimated local median: $366K · Typical loan range: $238K – $457K · Top program: fix-and-flip and DSCR rental
Most Chico private money loans we fund range from $238K to $457K, sized against an estimated local median around $366K. Loans outside that range are case-by-case based on parcel and scope.
For Chico, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most Chico hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Chico.
Yes. DSCR loans are well-suited to Chico's rental market.
Yes. We regularly close Chico loans under LLCs and other corporate entities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT