Palm Desert is the retail and resort heart of the Coachella Valley, anchored by the luxury shopping of El Paseo and a golf-and-second-home economy that draws seasonal residents from across the country. Housing ranges from the guard-gated country clubs of Bighorn, Ironwood, and Indian Ridge to the mid-century and Mediterranean homes of South Palm Desert and the walkable core near Civic Center. Seasonal demand, a deep pool of vacation and short-term rentals, and a wide spread of price points make it one of the desert's most dynamic investment markets.
Fidelity Funding lends directly in Palm Desert and understands its resort-driven values and country-club collateral. We can underwrite a South Palm Desert flip, an Indian Ridge value-add, or a short-term rental near El Paseo on the asset and your plan rather than income documentation. As a direct lender since 2006 we close in five to ten business days, fund up to 90% of cost plus rehab, and lend to 75% ARV, with DSCR options that fit the valley's seasonal rental income. When a resort-market deal needs speed, a decision-maker is reachable at (877) 300-3007.
For a property in Palm Desert, 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 El Paseo, Ironwood Country Club, Bighorn, Indian Ridge, Marrakesh, Suncrest and adjacent Palm Desert submarkets.
Illustrative property value: $570K · Illustrative financing range: $371K – $713K · 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 $371K to $713K 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. Our DSCR program can qualify short-term and seasonal rentals on projected income, which fits the strong tourism and second-home demand near El Paseo and Civic Center.
Absolutely. We fund value-add and acquisition deals in gated communities like Indian Ridge, Ironwood, and Bighorn, sizing to the asset and lending up to 75% ARV.
As fast as five to seven business days. Seasonal buyers move quickly, and as a direct lender we can match that pace with in-house decisions.
We fund from $50K to $50M, which covers everything from a South Palm Desert cosmetic flip to a high-value country-club project.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT