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.
For a property in Oakdale, 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 Oakdale, South Oakdale, Riverbank border, East F Street corridor and adjacent Oakdale submarkets.
Illustrative property value: $270K · Illustrative financing range: $176K – $338K · Programs to discuss: DSCR rental and small commercial
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 $176K to $338K range below is an illustration, not funded-loan history or an offer.
Options to discuss include DSCR rental and small commercial, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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