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.
Standard suburban product in Redding accounts for the bulk of our local volume — the median is around $347K and fix-and-flip deals here close on schedule.
Typical Redding 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 Downtown Redding, Enterprise, Bonnyview, Stillwater and adjacent Redding submarkets.
Estimated local median: $347K · Typical loan range: $225K – $433K · Top program: fix-and-flip and DSCR rental
Most Redding private money loans we fund range from $225K to $433K, sized against an estimated local median around $347K. Loans outside that range are case-by-case based on parcel and scope.
For Redding, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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