Rancho Mirage is a premier coastal community in Riverside County, with high-end single-family inventory, strong short-term rental demand, and consistent buyer interest from luxury investors statewide.
Fidelity Funding provides hard money loans, private money, and bridge financing for Rancho Mirage borrowers across fix and flip, rental, and small commercial scenarios.
Rancho Mirage sits at the high end of the California coastal market, where waterfront and bluff-view parcels rarely trade and capital efficiency decides which investors win bids.
Investors active in Rancho Mirage typically draw down rehab capital in three to four stages — foundation/structural, MEP, finishes, and final staging — and exit to a custom-buyer sale or short-term rental DSCR refi. Local pocket coverage includes Thunderbird Heights, Mission Hills, The Springs, Tamarisk and adjacent Rancho Mirage submarkets.
Estimated local median: $1.11M · Typical loan range: $722K – $1.39M · Top program: luxury fix-and-flip and short-term rental DSCR
Most Rancho Mirage private money loans we fund range from $722K to $1.39M, sized against an estimated local median around $1.11M. Loans outside that range are case-by-case based on parcel and scope.
For Rancho Mirage, our highest-volume program is luxury fix-and-flip and short-term rental DSCR. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most Rancho Mirage hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Rancho Mirage.
Yes. DSCR loans are well-suited to Rancho Mirage's rental market.
Yes. Our DSCR program qualifies Rancho Mirage short-term rentals using platform income data.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT