Madera is the seat of Madera County, a Central Valley agricultural city on Highway 99 built around almonds, grapes, dairy, and the wineries that make it a gateway to the region's wine trail. The economy runs on farming, food processing, and warehousing along the 99 corridor, and the housing stock ranges from older homes near Downtown Madera to postwar and newer tracts spreading toward South Madera and the Madera Ranchos border. Affordability relative to Fresno, a young and growing population, and steady agricultural employment keep demand consistent for both entry-level homes and rentals.
Fidelity Funding lends directly throughout the Central Valley and understands the value-add and workforce-rental dynamics that drive Madera. 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 Madera 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.
Agricultural overlay zoning, well and septic review, and parcel-line analysis are standard on Madera files; typical project values run around $219K.
We size Madera loans around realistic well/septic review timelines, parcel-line confirmation, and agricultural overlay zoning. Local pocket coverage includes Downtown Madera, South Madera, Madera Ranchos border, Highway 99 corridor and adjacent Madera submarkets.
Estimated local median: $219K · Typical loan range: $142K – $274K · Top program: DSCR rental and small commercial
Most Madera private money loans we fund range from $142K to $274K, sized against an estimated local median around $219K. Loans outside that range are case-by-case based on parcel and scope.
For Madera, our highest-volume program is DSCR rental and small commercial. 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 Madera, South Madera, and the Madera Ranchos border, all underwritten on an asset basis.
Yes. DSCR loans qualify on the property's rental income, which fits Madera's steady demand from agricultural and food-processing workers.
As fast as five to seven business days once title and valuation clear, since we are a direct lender making our own decisions.
Yes. Our small commercial and bridge programs cover retail, warehouse, and mixed-use property along the busy 99 corridor.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT