Merced is the seat of Merced County and the Gateway to Yosemite, a Central Valley city transformed by the arrival of UC Merced, the University of California's newest campus, on its northeast edge. Agriculture still anchors the broader economy, but the university and its steady expansion have reshaped housing demand, especially in North Merced and the UC Merced area, while older homes cluster around Downtown Merced and affordable tracts fill South Merced. Relative affordability, a growing student and workforce population, and proximity to the coming high-speed-rail corridor make Merced one of the valley's most-watched markets.
Fidelity Funding lends directly across the Central Valley and understands the student-rental and value-add dynamics that drive Merced. 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 UC Merced-area rental on a DSCR loan, or bridging into a North Merced purchase, we fund up to 90% of cost plus 100% of rehab. Reach a decision-maker directly at (877) 300-3007.
Merced is a steady California submarket where owner-user comp sets are clean, appraisals turn quickly, and $366K-band fix-and-flip inventory absorbs reliably.
Investor exits in Merced skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $366K median for downside protection. Local pocket coverage includes Downtown Merced, UC Merced area, South Merced, North Merced and adjacent Merced submarkets.
Estimated local median: $366K · Typical loan range: $238K – $457K · Top program: fix-and-flip and DSCR rental
Most Merced 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 Merced, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. DSCR loans qualify on the property's rental income, which suits investors holding student and workforce housing near a growing campus.
Yes. Our construction and rehab programs cover ADU projects, letting you add rentable square footage where campus demand keeps housing tight.
Absolutely. We underwrite your renovation plan and exit, funding up to 90% of purchase and up to 100% of rehab in Downtown and South Merced.
As fast as five to seven business days once title and valuation clear, since we make our own lending decisions.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT