Oakdale calls itself the Cowboy Capital of the World, an eastern Stanislaus County town where the Sierra foothills, the Stanislaus River, and a genuine ranching culture set the tone. The Hershey chocolate legacy, dairies, orchards, and the surrounding cattle country anchor the economy, and East F Street forms the main commercial spine running toward the river and the road to Sonora. Downtown Oakdale keeps its small-town Main Street feel with older homes and vintage storefronts, while South Oakdale and areas near the Riverbank border hold postwar and newer tract housing for families commuting to Modesto and the valley floor. The East F Street corridor carries retail, service, and light-commercial space.
Fidelity Funding is a direct, asset-based lender, so an Oakdale investor deals with decision-makers rather than a faraway loan committee. We underwrite the collateral and the plan instead of a stack of pay stubs, and we regularly close in five to ten business days. Whether you are flipping an older Downtown Oakdale home, holding a DSCR rental in South Oakdale, or bridging a small commercial building on East F Street, our capital moves at the pace this foothill-gateway market demands.
Oakdale anchors a productive agricultural corner of California where DSCR rental yields and small-commercial bridge dominate investor activity.
Investor exits in Oakdale typically involve a DSCR refi or small commercial stabilization play. Local pocket coverage includes Downtown Oakdale, South Oakdale, Riverbank border, East F Street corridor and adjacent Oakdale submarkets.
Estimated local median: $270K · Typical loan range: $176K – $338K · Top program: DSCR rental and small commercial
Most Oakdale 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 Oakdale, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We fund single-family flips, small multifamily, DSCR rentals, and small commercial across Downtown Oakdale, South Oakdale, the Riverbank border, and the East F Street corridor, underwriting each deal on the asset.
Yes. We finance rural-edge and ranchette properties where zoning and access support a clear residential or small-commercial exit, focusing on the collateral rather than acreage alone.
As fast as five to seven business days once title and valuation are complete. As a direct lender, we control the timeline and can match Oakdale's competitive purchase market.
Rates start at 9.99% with terms structured around your exit, and we lend from $50K to $50M. Pricing depends on the deal's leverage, timeline, and strength of the exit strategy.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT