Newman is a small farming town on the west side of Stanislaus County, set among dairies, almond orchards, and row-crop fields near the San Joaquin River. Its tidy Main Street, anchored by the historic Newman theater and grain-era architecture, reflects a community that has kept its agricultural roots even as valley commuters discover its affordability. The Hills Ferry corridor and Stuhr Road area connect the town to Highway 33 and the ranching country beyond, while Downtown Newman and South Newman hold older cottages, bungalows, and newer modest tracts. The result is a value-priced market where fixers and workforce rentals both have a place.
Fidelity Funding is a direct, asset-based lender, so a Newman 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 Downtown Newman home, holding a DSCR rental for ag and dairy workers, or bridging a small commercial building, our capital keeps pace with this quiet west-side market.
Agricultural overlay zoning, well and septic review, and parcel-line analysis are standard on Newman files; typical project values run around $270K.
We size Newman loans around realistic well/septic review timelines, parcel-line confirmation, and agricultural overlay zoning. Local pocket coverage includes Downtown Newman, South Newman, Hills Ferry corridor, Stuhr Road area and adjacent Newman submarkets.
Estimated local median: $270K · Typical loan range: $176K – $338K · Top program: DSCR rental and small commercial
Most Newman private money loans we fund range from $176K to $338K, sized against an estimated local median around $270K. Loans outside that range are case-by-case based on parcel and scope.
For Newman, 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 single-family flips, small multifamily, DSCR rentals, and small commercial across Downtown Newman, South Newman, the Hills Ferry corridor, and the Stuhr Road area, underwriting on the asset.
Yes. We fund rural-edge and ag-service 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 funding rather than waiting on a bank committee.
Banks move slowly and shy away from dated or vacant valley homes. Our asset-based underwriting funds on the property's merits and covers rehab, so you can close and renovate quickly.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT