Loyalton is the only incorporated city in Sierra County, a small ranching and former timber town in the high Sierra Valley near the Nevada line, where the wide-open agricultural basin meets the pine-forested slopes. Downtown Loyalton is a compact main street serving the surrounding valley, while the Sierra Brooks subdivision to the east and the Beckwourth corridor and Sattley border to the north extend the community across ranchland and recreation-oriented parcels. The economy leans on agriculture, recreation, and proximity to the Reno metro, and housing runs modest and affordable, with mountain and valley properties well below front-country prices.
Fidelity Funding lends directly across the rural Sierra and underwrites on the asset and the plan rather than a borrower's tax returns. That approach fits a market this small and remote, where conventional lenders rarely tread and each property stands on its own. Whether you are flipping a dated home in town, holding a Sierra Brooks rental for recreation-driven demand, or bridging into a valley acquisition, we close in five to ten business days and fund up to 90% of purchase plus 100% of rehab.
For a property in Loyalton, 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 Loyalton, Sierra Brooks, Beckwourth corridor, Sattley border and adjacent Loyalton submarkets.
Illustrative property value: $276K · Illustrative financing range: $180K – $345K · Programs to discuss: STR DSCR and rehab
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 $180K to $345K range below is an illustration, not funded-loan history or an offer.
Options to discuss include STR DSCR and rehab, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. We lend statewide, including small remote communities where conventional financing is scarce, underwriting on the asset and your plan.
We can. Proximity to Sierra Valley recreation and the Reno metro supports rental demand, and our DSCR loans qualify on projected income rather than personal returns.
As fast as five to seven business days once title and valuation clear, typically within five to ten as a direct lender.
Yes, our programs cover up to 100% of rehab, which helps with the town's older, affordable housing stock.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT