La Mirada sits on the Los Angeles and Orange County line, a planned postwar suburb built out heavily in the 1950s and 60s around tidy ranch tracts and cul-de-sacs. Biola University anchors the north end and keeps a steady pool of student and faculty renters, while Creek Park and La Mirada Heights hold the kind of mid-century three-bedroom homes that investors love to modernize. The city's location off the 5 and near the 91 makes it a practical commute base for both LA and OC jobs, which keeps buyer demand consistent even when inventory is thin.
Fidelity Funding is a direct private lender that has served California investors since 2006, and we underwrite La Mirada deals on the asset rather than on red tape. Whether you are flipping a dated Windsor Hills ranch or holding a rental near the Biola area, we fund in 5 to 10 business days with rates from 9.99%, up to 90% of cost plus rehab. Because we make decisions in-house, you can act on a La Mirada listing the day it hits the market.
Standard suburban product in La Mirada accounts for the bulk of our local volume — the median is around $808K and fix-and-flip deals here close on schedule.
Typical La Mirada deals close in 5 to 7 business days with a straight bridge loan plus rehab line and exit to a retail FHA or conventional buyer. Local pocket coverage includes Creek Park, La Mirada Heights, Windsor Hills, Biola area and adjacent La Mirada submarkets.
Estimated local median: $808K · Typical loan range: $525K – $1.01M · Top program: fix-and-flip and DSCR rental
Most La Mirada private money loans we fund range from $525K to $1.01M, sized against an estimated local median around $808K. Loans outside that range are case-by-case based on parcel and scope.
For La Mirada, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Primarily 1950s-60s single-story tract homes and small multifamily, plus the occasional ADU addition. These are the bread-and-butter cosmetic and systems flips that move quickly in this suburb.
Yes. The university drives steady demand for rooms and single-family rentals nearby, which supports DSCR loans qualified on the property's rental income rather than your tax returns.
Typically 5 to 10 business days, and as fast as 5-7 when title and appraisal cooperate. As a direct lender we control the timeline.
We lend statewide in California, so a property straddling or near the OC line is no obstacle. We fund based on the asset and the exit, wherever it sits.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT