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.
Citrus Heights is a steady California submarket where owner-user comp sets are clean, appraisals turn quickly, and $494K-band fix-and-flip inventory absorbs reliably.
Investor exits in Citrus Heights skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $494K median for downside protection. Local pocket coverage includes Sungarden, Birdcage Heights, Stock Ranch, Arcade Creek, Sylvan Old Auburn, Rusch Park and adjacent Citrus Heights submarkets.
Estimated local median: $494K · Typical loan range: $321K – $618K · Top program: fix-and-flip and DSCR rental
Most Citrus Heights private money loans we fund range from $321K to $618K, sized against an estimated local median around $494K. Loans outside that range are case-by-case based on parcel and scope.
For Citrus Heights, 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. 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