Los Banos sits on the west side of Merced County at the foot of the Pacheco Pass, the Highway 152 gateway between the Central Valley and the Bay Area, which has turned this former farm town into a fast-growing bedroom community for commuters priced out of Silicon Valley. Agriculture, warehousing, and the San Luis Reservoir recreation area still shape the economy, but new subdivisions have expanded the housing base well beyond the older core around Downtown Los Banos, with growth stretching south and along the Pacheco corridor toward the Volta border. That commuter-driven growth keeps demand strong for both new and resale homes.
Fidelity Funding lends directly across the Central Valley and understands the value-add and rental dynamics fueled by Los Banos's commuter growth. 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 downtown home, holding a South Los Banos rental on a DSCR loan, or bridging into a Pacheco corridor purchase, we fund up to 90% of cost plus 100% of rehab. Reach a decision-maker directly at (877) 300-3007.
Los Banos fits the classic suburban California fix-and-flip profile: a $366K median, predictable comp sets, and a deep first-time-buyer pool.
Most Los Banos loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes Downtown Los Banos, South Los Banos, Pacheco corridor, Volta border and adjacent Los Banos submarkets.
Estimated local median: $366K · Typical loan range: $238K – $457K · Top program: fix-and-flip and DSCR rental
Most Los Banos private money loans we fund range from $238K to $457K, sized against an estimated local median around $366K. Loans outside that range are case-by-case based on parcel and scope.
For Los Banos, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We fund single-family flips, small multifamily, and DSCR rentals across Downtown Los Banos, South Los Banos, and the Pacheco corridor, all on an asset basis.
Yes. DSCR loans qualify on the property's rental income, which fits the steady demand from Bay Area commuters and the local agricultural workforce.
As fast as five to seven business days once title and valuation clear, since we are a direct lender making our own decisions.
Yes. We lend on both older and newer homes, underwriting the asset and your plan rather than the year the tract was built.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT