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.
For a property in Livingston, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Downtown Livingston, South Livingston, Highway 99 corridor, Main Street corridor and adjacent Livingston submarkets.
Illustrative property value: $231K · Illustrative financing range: $150K – $289K · Programs to discuss: DSCR rental and small commercial
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $150K to $289K range below is an illustration, not funded-loan history or an offer.
Options to discuss include DSCR rental and small commercial, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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