Escalon is a small San Joaquin County farm town between Modesto and Manteca, surrounded by almond orchards, dairies, and row crops along the McHenry Avenue corridor. Its downtown keeps an old agricultural-Main-Street feel, home to the long-running Escalon Park Fiesta, while Riverdale Park to the north offers riverfront and rural-residential lots near the Stanislaus. Housing runs from early-century farm homes and postwar cottages in Downtown Escalon to newer subdivisions on the edges, and South Escalon blends modest residential with ag-service parcels. The town's affordability and central-valley position make it a quiet base for commuters working in Modesto, Manteca, and beyond.
Fidelity Funding is a direct, asset-based lender, so an Escalon investor works directly with the decision-makers. We underwrite the collateral and the plan rather than pages of tax returns, and we close in five to ten business days. Whether you are rehabbing an older downtown farm home, financing a small commercial building along McHenry, or holding a South Escalon workforce rental on a DSCR loan, our capital moves at the speed this small valley market requires.
For a property in Escalon, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Downtown Escalon, South Escalon, McHenry corridor, Riverdale Park and adjacent Escalon submarkets.
Illustrative property value: $312K · Illustrative financing range: $203K – $390K · Programs to discuss: DSCR rental and small commercial
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $203K to $390K range below is an illustration, not funded-loan history or an offer.
Options to discuss include DSCR rental and small commercial, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
We lend on single-family flips, small multifamily, DSCR rentals, and small commercial across Downtown Escalon, South Escalon, the McHenry corridor, and Riverdale Park. Older farm homes and newer tracts both qualify on an asset basis.
Yes. We fund Riverdale Park and ag-edge lots where zoning and access support a clear residential or small-commercial exit, underwriting the collateral rather than the acreage alone.
As fast as five to seven business days after title and valuation clear. As a direct lender, we set our own timeline and move quickly for valley deals.
Banks are slow to lend on dated or vacant rural homes. Our asset-based underwriting funds the deal on the property's merits and covers rehab costs, so you can close and renovate without conventional delays.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT