Maricopa is one of California's smallest incorporated cities, a tiny oil-country town in southwestern Kern County at the junction of Highways 33 and 166, near the historic Lakeview Gusher site that once produced one of the largest oil eruptions in history. Petroleum extraction and the surrounding oil fields dominate the economy, and the town's remote location gives it a frontier, wide-open character. Downtown Maricopa holds a modest core, the Reward area and South Maricopa add scattered residential, and the Highway 33 corridor connects the town toward Taft and the San Joaquin Valley. Housing is minimal and value-priced, tied closely to energy-sector employment.
Fidelity Funding is a direct, asset-based lender, so a Maricopa investor works with the people who approve the loan rather than a distant committee. We underwrite the property and the exit instead of a thick income file, and we routinely close in five to ten business days. Whether you are rehabbing an older home, holding a DSCR rental for oil-field workers, or bridging a rural-edge parcel, our capital fits this small, energy-driven market.
Maricopa's combination of $228K-range housing basis and steady working-population rental demand produces some of the cleaner DSCR yields in California.
Most Maricopa files we fund are DSCR rental holds against a $228K-range entry basis with steady working-population tenant demand. Local pocket coverage includes Downtown Maricopa, Reward, South Maricopa, Highway 33 corridor and adjacent Maricopa submarkets.
Estimated local median: $228K · Typical loan range: $148K – $285K · Top program: DSCR rental and small commercial
Most Maricopa private money loans we fund range from $148K to $285K, sized against an estimated local median around $228K. Loans outside that range are case-by-case based on parcel and scope.
For Maricopa, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on flips, small multifamily, DSCR rentals, and small commercial across Downtown Maricopa, Reward, South Maricopa, and the Highway 33 corridor, underwriting on the asset.
Yes. We lend from $50K and up, so value-priced Maricopa properties can qualify when the collateral and exit support the loan.
Yes. We finance rural-edge properties where zoning and access support a clear residential or small-commercial exit, focusing on the collateral.
As fast as five to seven business days once title and valuation clear. As a direct lender, we control the timeline rather than waiting on a bank.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT