Etna is a mountain resort market in Siskiyou County with strong short-term rental demand, scarce inventory, and consistent investor activity.
Fidelity Funding provides hard money loans, private money, and bridge financing for Etna borrowers across fix and flip, rental, and small commercial scenarios.
Seasonal weather windows define the build season in Etna; we structure rehab loans around realistic mountain construction calendars and a $225K project basis.
Most Etna files we fund are STR-focused rehabs with DSCR refi takeouts sized against peak-season nightly rates. Local pocket coverage includes Downtown Etna, Scott Valley, South Etna, Diggles and adjacent Etna submarkets.
Estimated local median: $225K · Typical loan range: $146K – $282K · Top program: STR DSCR and rehab
Most Etna private money loans we fund range from $146K to $282K, sized against an estimated local median around $225K. Loans outside that range are case-by-case based on parcel and scope.
For Etna, our highest-volume program is STR DSCR and rehab. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most Etna hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Etna.
Yes. DSCR loans are well-suited to Etna's rental market.
Yes. Our DSCR program qualifies Etna short-term rentals using platform income data.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT