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.
For a property in Holtville, 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 Holtville, Holtville Industrial, Highway 115 corridor, South Holtville and adjacent Holtville submarkets.
Illustrative property value: $192K · Illustrative financing range: $125K – $240K · 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 $125K to $240K 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 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