Portola is a small mountain city in Plumas County, set along the Middle Fork Feather River where the Western Pacific railroad heritage still defines its identity, celebrated at the railroad museum that anchors the town. Downtown Portola serves the surrounding high country, while the Lake Davis area to the north draws anglers and outdoor recreation, and Delleker and the Beckwourth corridor extend the community across forested and valley parcels. The economy blends recreation, a modest year-round base, and proximity to the Reno metro over Beckwourth Pass, with housing that runs affordable and heavily oriented toward cabins and mountain homes.
Fidelity Funding lends directly across the northern Sierra and underwrites on the asset and the plan rather than a borrower's income documents. That fits a recreation market where much of the value comes from seasonal cabin and vacation-rental demand. Whether you are flipping a dated mountain home, holding a Lake Davis cabin rental, or bridging into a Delleker acquisition, we close in five to ten business days and fund up to 90% of purchase plus 100% of rehab.
For a property in Portola, 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 Portola, Lake Davis area, Delleker, Beckwourth corridor and adjacent Portola submarkets.
Illustrative property value: $289K · Illustrative financing range: $188K – $361K · Programs to discuss: STR DSCR and rehab
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 $188K to $361K range below is an illustration, not funded-loan history or an offer.
Options to discuss include STR DSCR and rehab, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. Outdoor recreation and fishing traffic support seasonal demand, and our DSCR loans qualify on projected rental income rather than personal tax returns.
We do. We lend statewide, including mountain communities like Portola, underwriting on the asset and your business plan.
As fast as five to seven business days once title and valuation clear, and generally within five to ten as a direct lender.
Yes, we finance flips on dated homes near Downtown Portola and Delleker, covering up to 100% of rehab on an asset basis.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT