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.
Palm Desert fits the classic suburban California fix-and-flip profile: a $570K median, predictable comp sets, and a deep first-time-buyer pool.
Most Palm Desert loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes El Paseo, Ironwood Country Club, Bighorn, Indian Ridge, Marrakesh, Suncrest and adjacent Palm Desert submarkets.
Estimated local median: $570K · Typical loan range: $371K – $713K · Top program: fix-and-flip and DSCR rental
Most Palm Desert private money loans we fund range from $371K to $713K, sized against an estimated local median around $570K. Loans outside that range are case-by-case based on parcel and scope.
For Palm Desert, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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