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.
For a property in Los Banos, 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 Los Banos, South Los Banos, Pacheco corridor, Volta border and adjacent Los Banos submarkets.
Illustrative property value: $366K · Illustrative financing range: $238K – $457K · Programs to discuss: fix-and-flip and DSCR rental
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 $238K to $457K range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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