Colusa is the seat of Colusa County, a historic river town on the Sacramento River where the ornate 1861 courthouse, the levee-top riverfront, and the surrounding rice fields all speak to a deep agricultural and steamboat-era heritage. Downtown Colusa holds a walkable historic core, the Sacramento River corridor follows the water and the levee, and South Colusa along with the Highway 20 corridor carry older homes and rural-edge properties. The economy is firmly agricultural, anchored by rice and row crops, with county government adding stability and pricing that runs affordable relative to the larger valley cities.
Fidelity Funding lends directly across Colusa County and underwrites on the asset and the plan rather than a borrower's income documents. That approach fits a river ag town where older housing offers value-add work and conventional financing runs thin. Whether you are restoring a historic home near downtown, flipping a South Colusa fixer, or holding a DSCR rental backed by the farm and government economy, we close in five to ten business days and fund up to 90% of purchase plus 100% of rehab.
Colusa's combination of $207K-range housing basis and steady working-population rental demand produces some of the cleaner DSCR yields in California.
Most Colusa files we fund are DSCR rental holds against a $207K-range entry basis with steady working-population tenant demand. Local pocket coverage includes Downtown Colusa, Sacramento River corridor, South Colusa, Highway 20 corridor and adjacent Colusa submarkets.
Estimated local median: $207K · Typical loan range: $135K – $259K · Top program: DSCR rental and small commercial
Most Colusa private money loans we fund range from $135K to $259K, sized against an estimated local median around $207K. Loans outside that range are case-by-case based on parcel and scope.
For Colusa, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. We finance flips and bridge loans on older homes near the historic downtown, underwriting the completed value and your renovation scope on an asset basis.
Entry pricing runs below the larger valley cities, leaving room for value-add work. We size loans to the property and your plan rather than personal income.
As fast as five to seven business days once title and valuation clear, typically within five to ten as a direct lender.
Yes, we fund DSCR rentals along the Sacramento River corridor, qualifying on the property's rental income rather than personal returns.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT