Paradise is a Butte County ridge town whose story was reshaped by the 2018 Camp Fire, and its market today is defined by rebuilding: cleared lots, new construction, and returning residents across Downtown Paradise, the Pearson Road corridor, the Skyway corridor, and toward the Magalia border. Before the fire it was a wooded retirement and family community perched above the Sacramento Valley, and that character is steadily returning as infrastructure is restored and thousands of parcels move through the rebuild pipeline. The town now offers a rare concentration of buildable lots and ground-up opportunity in Northern California.
Fidelity Funding lends directly across Butte County and underwrites on the asset and the plan rather than a borrower's tax returns, which is exactly what a rebuilding market needs. Construction and bridge deals here often involve vacant lots and phased builds that conventional lenders handle poorly. Whether you are building a new home on a cleared Pearson Road lot, bridging into a Skyway corridor parcel, or holding a completed rental, we close in five to ten business days and fund construction plus rehab sized to completed value.
Paradise is a California mountain community where STR demand and seasonal access shape both DSCR underwriting and rehab schedules.
Investor exits in Paradise usually involve a 12 to 18 month rehab-to-stabilization timeline that respects seasonal build constraints. Local pocket coverage includes Downtown Paradise, Magalia border, Pearson Road corridor, Skyway corridor and adjacent Paradise submarkets.
Estimated local median: $327K · Typical loan range: $213K – $409K · Top program: STR DSCR and rehab
Most Paradise private money loans we fund range from $213K to $409K, sized against an estimated local median around $327K. Loans outside that range are case-by-case based on parcel and scope.
For Paradise, our highest-volume program is STR DSCR and rehab. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Paradise has an unusually large supply of cleared lots, and our construction program funds ground-up builds sized to the completed value and your exit.
We can help. Bridge financing lets you secure a buildable parcel quickly, then transition into construction once your plans are ready.
As fast as five to seven business days once title and valuation clear, and generally within five to ten as a direct lender.
Yes, our DSCR loans let you hold a finished home for cash flow, qualifying on the property's rental income rather than personal returns.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT