Livingston is a small agricultural city in Merced County on Highway 99, best known as the home of Foster Farms and surrounded by the almond orchards, sweet-potato fields, and poultry operations that drive its economy. The town is compact, with a Main Street corridor running through Downtown Livingston and residential streets extending south along the Highway 99 corridor toward the surrounding farmland. Food-processing and agricultural employment, a young and growing population, and affordability well below the larger valley cities keep demand steady for entry-level homes and workforce rentals.
Fidelity Funding lends directly across the Central Valley and understands the value-add and workforce-rental opportunities in a market like Livingston. Because our loans are asset-based, we underwrite the property and the plan rather than a borrower's income file, and we close in five to ten business days. Whether you are flipping an older Main Street-area home, holding a South Livingston rental on a DSCR loan, or bridging into a Highway 99 corridor purchase, we fund up to 90% of cost plus 100% of rehab. Reach a decision-maker directly at (877) 300-3007.
Agricultural overlay zoning, well and septic review, and parcel-line analysis are standard on Livingston files; typical project values run around $231K.
We size Livingston loans around realistic well/septic review timelines, parcel-line confirmation, and agricultural overlay zoning. Local pocket coverage includes Downtown Livingston, South Livingston, Highway 99 corridor, Main Street corridor and adjacent Livingston submarkets.
Estimated local median: $231K · Typical loan range: $150K – $289K · Top program: DSCR rental and small commercial
Most Livingston 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 Livingston, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Our lending starts at $50K, which comfortably covers Livingston's affordable homes while still funding rehab on an asset basis.
Yes. DSCR loans qualify on rental income, which fits the steady demand from Foster Farms and agricultural workers in the area.
Absolutely. We fund up to 90% of purchase and up to 100% of rehab on older Livingston homes, sized to your renovation plan and exit.
Typically five to ten business days, and as fast as five to seven once title and valuation are complete.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT