Davis is the quintessential college town of Yolo County, built around UC Davis and known nationwide for its bicycle culture, progressive planning, and a compact, tree-lined Downtown near the Amtrak depot. The university drives the local economy and an enormous, reliable rental market, while neighborhoods like North Davis and the newer Wildhorse development offer a mix of established homes and planned communities. Just west of Sacramento along I-80, Davis combines strong owner-occupant demand with one of the region's deepest student-rental markets.
Fidelity Funding lends directly across California, and our asset-based approach fits a market where student rentals and value-add projects compete for limited inventory. We underwrite the property and the exit rather than a tidy income file, and close in five to ten business days. Whether an investor is renovating an older home near Downtown, holding a UC Davis-area rental on DSCR terms, or bridging a Wildhorse purchase, our capital keeps pace with a market where student housing demand is a constant.
Davis fits the classic suburban California fix-and-flip profile: a $565K median, predictable comp sets, and a deep first-time-buyer pool.
Most Davis loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes Downtown Davis, UC Davis area, North Davis, Wildhorse and adjacent Davis submarkets.
Estimated local median: $565K · Typical loan range: $367K – $707K · Top program: fix-and-flip and DSCR rental
Most Davis private money loans we fund range from $367K to $707K, sized against an estimated local median around $565K. Loans outside that range are case-by-case based on parcel and scope.
For Davis, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
They can be, thanks to consistent UC Davis enrollment and strong demand near campus. Our DSCR loans qualify on the property's rental income rather than personal income.
Yes. Older homes near the Downtown core are strong value-add candidates, and we cover up to 100% of rehab costs with fast closings.
Absolutely. We bridge and finance homes in newer planned communities like Wildhorse, underwriting the asset and the exit rather than the HOA structure.
As fast as five to seven business days once title and appraisal clear, since we are a direct lender making decisions 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