Lincoln is one of Placer County's fastest-growing cities, a former agricultural and pottery town on the northern edge of the Sacramento suburbs that has expanded dramatically through master-planned development. Its historic Downtown retains small-town character, while sprawling communities like Lincoln Crossing, Twelve Bridges, and the large active-adult Sun City Lincoln Hills have driven population growth well past its rural roots. The mix of older Downtown homes and abundant newer inventory gives investors both value-add and rental angles in an expanding market.
Fidelity Funding lends directly across California, and our asset-based approach fits Lincoln's blend of new-development rental demand and older value-add stock. We underwrite the property and the exit and close in as little as five to seven business days. Whether an investor is renovating an older Downtown home, holding a Twelve Bridges rental on DSCR terms, or bridging a Lincoln Crossing purchase, our capital keeps pace with this rapidly expanding and still-growing Placer County market where new inventory turns over quickly.
Standard suburban product in Lincoln accounts for the bulk of our local volume — the median is around $641K and fix-and-flip deals here close on schedule.
Typical Lincoln 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 Downtown Lincoln, Lincoln Crossing, Sun City Lincoln Hills, Twelve Bridges and adjacent Lincoln submarkets.
Estimated local median: $641K · Typical loan range: $417K – $802K · Top program: fix-and-flip and DSCR rental
Most Lincoln private money loans we fund range from $417K to $802K, sized against an estimated local median around $641K. Loans outside that range are case-by-case based on parcel and scope.
For Lincoln, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
They can be, thanks to rapid population growth and family demand in the master-planned communities. Our DSCR loans qualify on the property's rental income rather than personal income.
Yes. Older Downtown homes offer value-add upside, and we cover up to 100% of rehab costs with fast closings.
Absolutely. We bridge and finance homes in the active-adult community, underwriting the asset and the exit rather than the HOA structure.
As fast as five to seven business days once title and appraisal clear, since we make decisions in-house as a direct lender.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT