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.
For a property in Gustine, 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 Gustine, South Gustine, Highway 33 corridor, Sullivan Road and adjacent Gustine 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.
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