Colton is a centrally located Inland Empire city where the I-10 and I-215 intersect near the storied Colton Crossing rail junction, giving it a long history as a transportation and industrial hub between San Bernardino and Riverside. Downtown Colton holds older homes and a revitalizing core, the Reche Canyon area offers semi-rural hillside living, and South Colton and Rancho Mediterrania mix postwar tracts with newer development. Affordability relative to the coast, plus proximity to Loma Linda's medical campus, Cal State San Bernardino, and the region's logistics jobs, keeps a broad renter base and steady value-add opportunity in play.
Fidelity Funding is a direct private money lender that has funded California investors since 2006, underwriting Colton deals on the asset and the plan rather than a slow committee. Whether you are flipping an older Downtown home, repositioning a small multifamily building, or holding a DSCR rental for the medical and logistics workforce, we fund in 5 to 10 business days with rates from 9.99% and leverage up to 90% of cost plus rehab. In an affordable, centrally located IE market, our in-house speed helps investors move before deals get bid away.
Colton is a steady California submarket where owner-user comp sets are clean, appraisals turn quickly, and $523K-band fix-and-flip inventory absorbs reliably.
Investor exits in Colton skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $523K median for downside protection. Local pocket coverage includes Downtown Colton, Reche Canyon, South Colton, Rancho Mediterrania and adjacent Colton submarkets.
Estimated local median: $523K · Typical loan range: $340K – $653K · Top program: fix-and-flip and DSCR rental
Most Colton private money loans we fund range from $340K to $653K, sized against an estimated local median around $523K. Loans outside that range are case-by-case based on parcel and scope.
For Colton, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Nearby Loma Linda medical campus, Cal State San Bernardino, and the region's logistics jobs sustain a broad renter base that supports DSCR loans.
Yes. Two-to-four-unit repositioning is a core use of our loans here, and larger buildings fit our multifamily program.
We can. Reche Canyon's semi-rural hillside parcels fit our appetite, with structure tuned to access and scope of work.
Typically 5 to 10 business days, and as fast as 5-7 when title and appraisal cooperate, since we lend directly and decide in-house.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT