Dos Palos is a small agricultural city on the west side of Merced County, surrounded by the cotton, almond, and dairy operations of the San Joaquin Valley floor near Highway 33. The town grew from farming and remains tightly tied to it, with a compact Downtown Dos Palos and residential streets fanning out along the Center Avenue corridor toward the fields to the south. Food processing, farm labor, and agriculture drive the economy, and affordability among the lowest in the valley keeps demand steady for entry-level homes and workforce rentals.
Fidelity Funding lends directly across the Central Valley and understands the agricultural and value-add opportunities in a small market like Dos Palos. Because our loans are asset-based, we underwrite the property and the plan rather than a borrower's income file, which suits both in-town homes and parcels on the agricultural edge. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and offer DSCR loans for local rental demand. Reach a decision-maker directly at (877) 300-3007.
Dos Palos anchors a productive agricultural corner of California where DSCR rental yields and small-commercial bridge dominate investor activity.
Investor exits in Dos Palos typically involve a DSCR refi or small commercial stabilization play. Local pocket coverage includes Downtown Dos Palos, South Dos Palos, Center Avenue corridor, Highway 33 corridor and adjacent Dos Palos submarkets.
Estimated local median: $231K · Typical loan range: $150K – $289K · Top program: DSCR rental and small commercial
Most Dos Palos private money loans we fund range from $150K to $289K, sized against an estimated local median around $231K. Loans outside that range are case-by-case based on parcel and scope.
For Dos Palos, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Our lending starts at $50K, which covers Dos Palos's affordable price points while still funding rehab on an asset basis.
Yes. DSCR loans qualify on rental income, which fits the steady demand for farmworker and processing-worker housing in the area.
Absolutely. We fund up to 90% of purchase and up to 100% of rehab on older Dos Palos homes, sized to your renovation plan and exit.
Typically five to ten business days, and as fast as five to seven once title and valuation are complete.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT