Holtville calls itself the Carrot Capital of the World, a tidy Imperial County farm town east of El Centro at the crossroads of Highway 115 in the heart of the Imperial Valley's irrigated cropland. The economy runs on agriculture, packing, and the seasonal produce harvest, with the annual Carrot Festival marking the town's identity, and proximity to the Mexicali border and the El Centro job base adds commuter demand. Housing centers on older homes and bungalows in Downtown Holtville, modest residential in South Holtville, and ag-service and light-industrial parcels in the Holtville Industrial area and along the Highway 115 corridor. Prices sit at the low end of the California market, appealing to value-focused investors.
Fidelity Funding is a direct, asset-based lender, so a Holtville investor works with the people who approve the loan. We underwrite the property and the exit rather than a thick income file, and we close in five to ten business days. Whether you are rehabbing an older downtown bungalow, financing an industrial or commercial building along Highway 115, or holding a DSCR workforce rental tied to the ag harvest, our capital moves at the pace this farm-town market requires.
Holtville anchors a productive agricultural corner of California where DSCR rental yields and small-commercial bridge dominate investor activity.
Investor exits in Holtville typically involve a DSCR refi or small commercial stabilization play. Local pocket coverage includes Downtown Holtville, Holtville Industrial, Highway 115 corridor, South Holtville and adjacent Holtville submarkets.
Estimated local median: $192K · Typical loan range: $125K – $240K · Top program: DSCR rental and small commercial
Most Holtville private money loans we fund range from $125K to $240K, sized against an estimated local median around $192K. Loans outside that range are case-by-case based on parcel and scope.
For Holtville, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on single-family flips, small multifamily, DSCR rentals, and small commercial and industrial across Downtown Holtville, Holtville Industrial, the Highway 115 corridor, and South Holtville. Older homes and ag-service parcels qualify on an asset basis.
Yes. Agriculture, packing, and the produce harvest keep a steady workforce renter base, and proximity to El Centro jobs adds commuter demand, supporting DSCR buy-and-hold at low prices.
Yes. We lend on small commercial and light-industrial along Highway 115 and in the industrial area, underwriting the asset and the exit rather than years of operating history.
As fast as five to seven business days after title and valuation clear. As a direct lender, we move quickly for Imperial Valley deals.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT