Galt is a growing bedroom community at the southern edge of Sacramento County along Highway 99, positioned between Sacramento and Lodi with a rural, small-town feel and an economy tied to agriculture, the historic downtown, and the well-known Galt livestock market and antique district. Newer subdivisions around Liberty Ranch and the Twin Cities and Arno Estates areas have expanded the housing supply, while the older core near Downtown Galt holds vintage homes with value-add potential. Affordability relative to metro Sacramento draws commuters and first-time buyers, and investors follow the same logic, targeting entry-priced inventory in a market with steady owner-occupant and rental demand from the Highway 99 commute.
Fidelity Funding lends directly across the Sacramento region, and because our loans are asset-based we size deals on the property and the plan rather than a borrower's W-2 history. That fits Galt, where budget-minded flippers and buy-and-hold landlords compete for affordable homes. We close in as little as five to seven business days, fund up to 90% of purchase plus rehab, and offer DSCR options for the rental demand that the Sacramento and Lodi commute and local agricultural jobs generate around Liberty Ranch and the older downtown core.
Galt is a steady California submarket where owner-user comp sets are clean, appraisals turn quickly, and $494K-band fix-and-flip inventory absorbs reliably.
Investor exits in Galt skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $494K median for downside protection. Local pocket coverage includes Downtown Galt, Liberty Ranch, Twin Cities, Arno Estates and adjacent Galt submarkets.
Estimated local median: $494K · Typical loan range: $321K – $618K · Top program: fix-and-flip and DSCR rental
Most Galt private money loans we fund range from $321K to $618K, sized against an estimated local median around $494K. Loans outside that range are case-by-case based on parcel and scope.
For Galt, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We fund single-family flips, DSCR rentals, and ADU additions from the older Downtown Galt core to newer subdivisions in Liberty Ranch and Twin Cities.
Entry pricing is affordable versus metro Sacramento while Highway 99 commuters and local agricultural jobs keep rental demand steady, supporting cash-flow strategies.
As fast as five to seven business days once title and appraisal clear, since as a direct lender we make our own underwriting decisions.
They can. Affordable purchase prices and steady commuter demand help rentals cash-flow, and our DSCR loans qualify on the property rather than personal income.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT