Live Oak is a Central Valley hub in Sutter County, with affordable single-family inventory, strong tenant demand, and consistent investor activity across residential and agricultural-adjacent product.
Fidelity Funding provides hard money loans, private money, and bridge financing for Live Oak borrowers across fix and flip, rental, and small commercial scenarios.
Live Oak's combination of $231K-range housing basis and steady working-population rental demand produces some of the cleaner DSCR yields in California.
Most Live Oak files we fund are DSCR rental holds against a $231K-range entry basis with steady working-population tenant demand. Local pocket coverage includes Downtown Live Oak, South Live Oak, Pennington corridor, Highway 99 corridor and adjacent Live Oak submarkets.
Estimated local median: $231K · Typical loan range: $150K – $289K · Top program: DSCR rental and small commercial
Most Live Oak private money loans we fund range from $150K to $289K, sized against an estimated local median around $231K. Loans outside that range are case-by-case based on parcel and scope.
For Live Oak, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most Live Oak hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Live Oak.
Yes. DSCR loans are well-suited to Live Oak's rental market.
Yes. We regularly close Live Oak loans under LLCs and other corporate entities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT