Placentia is a North Orange County suburb with citrus-town roots, and its history shows in the historic Old Town Placentia district and the older Atwood neighborhood, both of which sit near the rail line that once shipped the area's oranges. Newer development in Northeast Placentia and pockets like Champagne Towers rounded out the city as it filled in through the mid and late twentieth century. Home to Cal State Fullerton's neighboring influence and steady access to the 57 freeway, Placentia keeps a reliable mix of student-adjacent renters and family buyers, and its Metrolink-served downtown revitalization has added fresh interest.
Fidelity Funding is a direct private lender that has funded California investors since 2006, underwriting Placentia deals on the asset and the exit rather than a slow committee. Whether you are restoring an Old Town bungalow or holding a DSCR rental near the college corridor, we close in 5 to 10 business days with rates from 9.99% and leverage up to 90% of cost plus full rehab. With decisions made in-house, Placentia investors can move on both vintage and tract opportunities without delay.
Standard suburban product in Placentia accounts for the bulk of our local volume — the median is around $1.04M and fix-and-flip deals here close on schedule.
Typical Placentia deals close in 5 to 7 business days with a straight bridge loan plus rehab line and exit to a retail FHA or conventional buyer. Local pocket coverage includes Old Town Placentia, Atwood, Northeast Placentia, Champagne Towers and adjacent Placentia submarkets.
Estimated local median: $1.04M · Typical loan range: $679K – $1.31M · Top program: fix-and-flip and DSCR rental
Most Placentia private money loans we fund range from $679K to $1.31M, sized against an estimated local median around $1.04M. Loans outside that range are case-by-case based on parcel and scope.
For Placentia, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Everything from historic Old Town and Atwood bungalows to mid-and-late-century tract homes and small multifamily, plus ADU additions where lots allow.
Yes. The Cal State Fullerton influence and freeway access sustain steady student-adjacent and commuter rental demand, which supports DSCR loans.
The Metrolink-served downtown improvements have raised interest in the surrounding older neighborhoods, adding upside to both flips and holds nearby.
Up to 90% of purchase plus 100% of rehab, capped at 75% of after-repair value, with final terms based on the deal and your track record.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT