Gridley is a small agricultural city in southern Butte County, set in the rice, kiwi, and orchard country of the Sacramento Valley along Highway 99, where the town's farming heritage still drives the economy and defines its rhythm. Downtown Gridley holds a compact historic main street serving the surrounding farms, while South Gridley, East Gridley, and the Magnolia corridor carry older single-family homes, ranch properties, and modest newer builds. Pricing runs affordable relative to Chico and the coast, and the steady agricultural workforce supports consistent, if modest, housing demand.
Fidelity Funding lends directly across Butte County and underwrites on the asset and the plan rather than a borrower's income documents. That approach fits an ag town where much of the housing is older and conventional financing options are limited. Whether you are flipping a dated Magnolia corridor home, holding a DSCR rental backed by the farm economy, or financing a small commercial building downtown, we close in five to ten business days and fund up to 90% of purchase plus 100% of rehab.
For a property in Gridley, 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 Gridley, South Gridley, Magnolia corridor, East Gridley and adjacent Gridley submarkets.
Illustrative property value: $231K · Illustrative financing range: $150K – $289K · 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 $150K to $289K 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 Gridley, South Gridley, and the Magnolia corridor, all on an asset basis.
Yes, entry pricing runs below Chico and the coast, and the steady farm workforce supports rental demand. Our DSCR loans qualify on rental income.
As fast as five to seven business days once title and valuation clear, typically within five to ten as a direct lender.
Yes, our programs cover up to 100% of rehab, which helps with Gridley's older, affordable housing stock.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT