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.
Portola is a California mountain community where STR demand and seasonal access shape both DSCR underwriting and rehab schedules.
Investor exits in Portola usually involve a 12 to 18 month rehab-to-stabilization timeline that respects seasonal build constraints. Local pocket coverage includes Downtown Portola, Lake Davis area, Delleker, Beckwourth corridor and adjacent Portola submarkets.
Estimated local median: $289K · Typical loan range: $188K – $361K · Top program: STR DSCR and rehab
Most Portola private money loans we fund range from $188K to $361K, sized against an estimated local median around $289K. Loans outside that range are case-by-case based on parcel and scope.
For Portola, our highest-volume program is STR DSCR and rehab. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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