Chowchilla is a small Central Valley agricultural city in northern Madera County, sitting just off Highway 99 between Madera and Merced amid almond orchards, dairies, and row crops. The town's economy leans on farming, food processing, and two nearby state prisons, and its layout centers on a compact Downtown Chowchilla grid with residential streets running south and out along the Robertson corridor toward the surrounding farmland. Affordability well below the coast and the larger valley cities, combined with steady agricultural and institutional employment, keeps demand consistent for entry-level homes and rentals.
Fidelity Funding lends directly across the Central Valley and understands the value-add and workforce-rental opportunities in a market like Chowchilla. Because our loans are asset-based, we underwrite the property and the plan rather than a borrower's income file, and we close in five to ten business days. Whether you are flipping an older downtown home, holding a South Chowchilla rental on a DSCR loan, or bridging into a Highway 99 corridor purchase, we fund up to 90% of cost plus 100% of rehab. Reach a decision-maker directly at (877) 300-3007.
Chowchilla's combination of $219K-range housing basis and steady working-population rental demand produces some of the cleaner DSCR yields in California.
Most Chowchilla files we fund are DSCR rental holds against a $219K-range entry basis with steady working-population tenant demand. Local pocket coverage includes Downtown Chowchilla, South Chowchilla, Robertson corridor, Highway 99 corridor and adjacent Chowchilla submarkets.
Estimated local median: $219K · Typical loan range: $142K – $274K · Top program: DSCR rental and small commercial
Most Chowchilla private money loans we fund range from $142K to $274K, sized against an estimated local median around $219K. Loans outside that range are case-by-case based on parcel and scope.
For Chowchilla, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Our lending starts at $50K, which covers Chowchilla's affordable price points while still funding rehab on an asset basis.
Yes. DSCR loans qualify on rental income, which fits the steady demand from agricultural and prison-related workers in and around town.
Absolutely. We fund up to 90% of purchase and up to 100% of rehab on older Chowchilla homes, sized to your renovation plan and exit.
Typically five to ten business days, and as fast as five to seven once title and valuation are complete.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT