Montague lies out on the open floor of Shasta Valley east of Yreka, a former railroad and farming town framed by dramatic views of Mount Shasta. The old rail heritage shaped its layout, with Downtown Montague and its historic depot at the core and agricultural land, hay ground, and cattle country spreading out along the Big Springs corridor and toward Shasta Valley proper. Housing is modest and affordable, ranging from early-1900s homes in town to ranch-style houses on acreage south of the center, drawing buyers who want land, quiet, and that unobstructed mountain backdrop.
Fidelity Funding lends directly across Siskiyou County and understands the agricultural and mixed-use collateral that dominates Montague. Because our loans are asset-based, we can underwrite a value-add home in town, a small Shasta Valley ranch, or a commercial parcel on the property's merits and the borrower's plan rather than pages of income documentation. We close in five to ten business days, fund up to 90% of cost plus rehab, and provide DSCR loans for landlords holding rentals long term. Talk to a decision-maker directly at (877) 300-3007.
Montague is a California mountain community where STR demand and seasonal access shape both DSCR underwriting and rehab schedules.
Investor exits in Montague usually involve a 12 to 18 month rehab-to-stabilization timeline that respects seasonal build constraints. Local pocket coverage includes Downtown Montague, Big Springs corridor, South Montague, Shasta Valley and adjacent Montague submarkets.
Estimated local median: $225K · Typical loan range: $146K – $282K · Top program: STR DSCR and rehab
Most Montague private money loans we fund range from $146K to $282K, sized against an estimated local median around $225K. Loans outside that range are case-by-case based on parcel and scope.
For Montague, our highest-volume program is STR DSCR and rehab. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Shasta Valley homes on larger parcels with outbuildings are common, and we underwrite them on the asset and your plan rather than a standard residential lot size.
Typically five to ten business days, and as fast as five to seven once title and valuation are complete. Being a direct lender keeps our timeline tight.
Yes. DSCR loans let us qualify the property on its rental income, which suits landlords holding affordable Shasta Valley homes for cash flow.
We lend from $50K to $50M statewide, so the modest values common in Montague fall well within our range.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT