Lancaster sits at the heart of the Antelope Valley high desert, a market built around aerospace at Fox Field, the nearby Plant 42 and Edwards work, and a growing base of solar and logistics employment. The BLVD downtown redevelopment reshaped the commercial core, and residential neighborhoods spread across West Lancaster, East Lancaster, and the Quartz Hill border with a housing stock ranging from 1980s and 1990s tracts to newer builds near City Ranch and Amargosa Creek. Investors are drawn by entry prices well below the LA basin and by tenants who work the aerospace and defense corridor.
Fidelity Funding lends directly across the high desert, and because our loans are asset-based we can size a deal on the property and the business plan rather than a borrower's W-2 history. That matters in Lancaster, where a mix of first-time flippers and buy-and-hold landlords compete for affordable inventory. We close in as little as five to seven business days, fund up to 90% of purchase cost plus rehab, and offer DSCR options for the steady rental demand that Fox Field and the commuter workforce generate across Antelope Acres and Lancaster Heights.
Lancaster pricing reflects a working high-desert market where investor yields out-perform coastal California on a per-dollar basis around the $553K benchmark.
Most Lancaster loans we fund are DSCR rental holds where the entry basis around $553K supports double-digit cash-on-cash yields. Local pocket coverage includes West Lancaster, East Lancaster, Quartz Hill border, Antelope Acres, Lancaster Heights, Fox Field and adjacent Lancaster submarkets.
Estimated local median: $553K · Typical loan range: $359K – $691K · Top program: DSCR rental and fix-and-flip
Most Lancaster private money loans we fund range from $359K to $691K, sized against an estimated local median around $553K. Loans outside that range are case-by-case based on parcel and scope.
For Lancaster, our highest-volume program is DSCR rental and fix-and-flip. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
It can be, thanks to low entry pricing and steady rental demand from aerospace, defense, and logistics workers. Our DSCR loans qualify on the property's rental income rather than personal income.
Yes. We finance small commercial and mixed-use properties, including opportunities along the revitalized BLVD corridor, with programs scaling from $50K up to $50M.
Up to 90% of purchase cost plus 100% of rehab, capped at roughly 75% of the after-repair value. On affordable high-desert tracts that often means minimal cash into the deal.
Typically five to ten business days, and as fast as five to seven when title and appraisal are clean. We are the direct decision-maker, so there is no third-party committee slowing things down.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT