Gustine is a small west-side Merced County town founded as a dairy and railroad center, and dairy farming still defines the surrounding landscape along Highway 33 near the San Joaquin River. Its Portuguese-American heritage shows in the town's festivals and community life, and the compact Downtown Gustine grid is ringed by residential streets and dairy country running south and out along Sullivan Road. Agriculture, dairy processing, and proximity to the Interstate 5 corridor anchor the local economy, and affordability well below the larger valley cities keeps demand steady for entry-level homes and rentals.
Fidelity Funding lends directly across the Central Valley and understands the agricultural and value-add dynamics that shape Gustine. Because our loans are asset-based, we underwrite the property and the plan rather than a borrower's income file, which suits homes on acreage and dairy-adjacent parcels as well as in-town houses. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and offer DSCR loans for local rental demand. Reach a decision-maker directly at (877) 300-3007.
Gustine anchors a productive agricultural corner of California where DSCR rental yields and small-commercial bridge dominate investor activity.
Investor exits in Gustine typically involve a DSCR refi or small commercial stabilization play. Local pocket coverage includes Downtown Gustine, South Gustine, Highway 33 corridor, Sullivan Road and adjacent Gustine submarkets.
Estimated local median: $231K · Typical loan range: $150K – $289K · Top program: DSCR rental and small commercial
Most Gustine private money loans we fund range from $150K to $289K, sized against an estimated local median around $231K. Loans outside that range are case-by-case based on parcel and scope.
For Gustine, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. We fund homes on larger parcels with outbuildings on an asset basis, underwriting the property and your plan rather than a standard residential lot profile.
Yes. DSCR loans qualify on rental income, which fits the steady demand from dairy and agricultural workers in the area.
Absolutely. We fund up to 90% of purchase and up to 100% of rehab on older Gustine homes, sized to your renovation plan and exit.
Typically five to ten business days, and as fast as five to seven once title and valuation are complete.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT