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.
For a property in Merced, 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 Merced, UC Merced area, South Merced, North Merced and adjacent Merced 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.
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