Los Alamitos is a small West Orange County city defined in part by the Joint Forces Training Base, a longtime military presence that shapes the local economy and rental market, and by its proximity to the affluent Rossmoor community just across the line. Downtown Los Alamitos along Katella and the Cottonwood area hold a mix of older single-family homes and small commercial buildings, while the base area anchors steady demand from service members and civilian staff. Sitting near the LA County line with quick access to the 605 and 22, the city offers a walkable core and a tight, well-held housing stock.
Fidelity Funding is a direct private money lender that has served California investors since 2006, underwriting Los Alamitos deals on the asset instead of red tape. From a dated home flip near Cottonwood to a DSCR rental positioned for the base workforce, we fund in 5 to 10 business days with rates from 9.99% and leverage up to 90% of cost plus full rehab. Our in-house decisions give Los Alamitos investors the speed to compete in a compact, high-demand market.
Los Alamitos is a steady California submarket where owner-user comp sets are clean, appraisals turn quickly, and $1.04M-band fix-and-flip inventory absorbs reliably.
Investor exits in Los Alamitos skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $1.04M median for downside protection. Local pocket coverage includes Rossmoor border, Downtown Los Alamitos, Joint Forces Training Base area, Cottonwood and adjacent Los Alamitos submarkets.
Estimated local median: $1.04M · Typical loan range: $679K – $1.31M · Top program: fix-and-flip and DSCR rental
Most Los Alamitos private money loans we fund range from $679K to $1.31M, sized against an estimated local median around $1.04M. Loans outside that range are case-by-case based on parcel and scope.
For Los Alamitos, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
The Joint Forces Training Base sustains steady rental demand from military and civilian personnel, which strengthens DSCR loans underwritten on rental income.
Older single-family homes suited to cosmetic flips, small multifamily, and value-add commercial along the Katella corridor near the downtown core.
Yes, Los Alamitos is a small city with limited turnover, so quality listings draw quick competition and closing speed matters.
Typically 5 to 10 business days, and as fast as 5-7 when title and appraisal cooperate, because we lend directly and decide in-house.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT