Etna is a small Scott Valley town tucked beneath the Marble Mountains in western Siskiyou County, a ranching and timber community that trades on its walkable, brick-fronted Main Street, the historic Etna Brewing tradition, and its role as a gateway for Pacific Crest Trail hikers dropping into town. Homes here run from turn-of-the-century farmhouses around Downtown Etna to newer parcels stretching into the surrounding pasture land, with acreage and outbuildings common on the edges toward Diggles and South Etna. Buyers are drawn by low entry prices, quiet mountain living, and the recreation economy that the Scott River and the Salmon-Trinity backcountry support.
Fidelity Funding lends directly in rural markets like Etna where conventional banks move slowly and rarely understand agricultural or mixed-use collateral. Because we underwrite the asset and the plan rather than a W-2 file, we can size a loan on an older Downtown Etna cottage, a Scott Valley homestead, or a small commercial building and close in five to ten business days. We fund up to 90% of cost plus rehab, offer DSCR options for long-term holds, and give investors a real decision-maker on the phone at (877) 300-3007.
For a property in Etna, 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 Etna, Scott Valley, South Etna, Diggles and adjacent Etna submarkets.
Illustrative property value: $225K · Illustrative financing range: $146K – $282K · Programs to discuss: STR DSCR and rehab
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 $146K to $282K range below is an illustration, not funded-loan history or an offer.
Options to discuss include STR DSCR and rehab, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. We regularly fund homes on larger Scott Valley parcels with outbuildings or pasture, underwriting the property and your exit plan rather than requiring a conforming lot size.
As fast as five to seven business days once title and valuation clear. Because we are a direct lender, distance from a metro doesn't slow our decision.
Yes, our small commercial and mixed-use programs cover storefront and live-work buildings in Downtown Etna on an asset basis, sized to the property and its income potential.
We fund from $50K to $50M statewide, which comfortably covers the modest price points typical of Etna and the wider Scott Valley market.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT