Redding is the largest city in the far north state and the seat of Shasta County, a Sacramento River hub where the Sundial Bridge, the healthcare and government sectors, and the outdoor recreation of the surrounding mountains and lakes anchor the economy. Downtown Redding has been the focus of ongoing revitalization, while Enterprise holds much of the retail and commercial activity, Bonnyview sits along the river's southern reaches, and the newer Stillwater area supports industrial and business-park growth. Housing ranges from mid-century homes in the older neighborhoods to newer subdivisions, with pricing that stays well below the valley's larger metros.
Fidelity Funding lends directly across Shasta County and underwrites on the asset and the plan rather than a borrower's W-2 history. That fits Redding's mix of value-add older homes, steady rental demand, and growing commercial activity. Whether you are flipping a mid-century Enterprise home, holding a DSCR rental backed by the healthcare economy, or financing a small commercial building near Stillwater, we close in as little as five to seven business days and fund up to 90% of purchase plus 100% of rehab.
For a property in Redding, 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 Redding, Enterprise, Bonnyview, Stillwater and adjacent Redding submarkets.
Illustrative property value: $347K · Illustrative financing range: $225K – $433K · Programs to discuss: fix-and-flip and DSCR rental
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 $225K to $433K range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
We lend on single-family flips, small multifamily, DSCR rentals, and small commercial across Downtown Redding, Enterprise, Bonnyview, and Stillwater, all on an asset basis.
It can be, thanks to affordable pricing and steady demand from healthcare and government employment. Our DSCR loans qualify on rental income rather than personal income.
As fast as five to seven business days once title and valuation clear, with a typical range of five to ten.
Yes, we fund small commercial and business-park properties near the Stillwater area, sizing the loan to the property and your exit plan.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT