Citrus Heights is an established suburb northeast of Sacramento that grew around the Sunrise Mall and the Birdcage retail corridor, with a housing base built largely in the 1960s-80s across neighborhoods like Sungarden, Stock Ranch, and Arcade Creek. Its mature tract homes on tree-lined streets and the older Sylvan Old Auburn area offer accessible price points and steady renovation upside, while proximity to Interstate 80 and regional employers keeps a reliable workforce renter base in place. Affordability relative to newer suburbs makes Citrus Heights a dependable value-add and cash-flow market.
As a direct, asset-based lender, Fidelity Funding funds Citrus Heights investors on the deal rather than income documents. We finance flips of the 1960s-80s tract stock, ADU additions on suburban lots, and DSCR rentals serving the area's workforce demand. Lending across California since 2006 with rates from 9.99% and closings in 5 to 10 business days, we give Sacramento-region investors the speed to act on off-market opportunities and the flexibility to hold or exit as planned.
For a property in Citrus Heights, 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 Sungarden, Birdcage Heights, Stock Ranch, Arcade Creek, Sylvan Old Auburn, Rusch Park and adjacent Citrus Heights submarkets.
Illustrative property value: $494K · Illustrative financing range: $321K – $618K · Programs to discuss: fix-and-flip and DSCR rental
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 $321K to $618K range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. The 1960s-80s tract stock in areas like Sungarden and Stock Ranch is prime for renovation, financed to the after-repair value.
It is. Affordability plus I-80 access and regional employment sustain steady workforce rental demand for DSCR holds.
Many established lots accommodate ADUs, which add income and value; we finance construction and conversions.
Typically 5 to 10 business days, keeping you competitive on off-market Citrus Heights 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