Ridgecrest sits in the high desert of eastern Kern County, a city whose entire economy orbits the Naval Air Weapons Station China Lake, one of the Navy's largest research and test installations. The defense workforce, civilian contractors, and scientists create a housing market unlike most desert towns, with steady demand for both ownership and rentals tied to base assignments and hiring cycles. Downtown Ridgecrest anchors commercial and older residential blocks, South and West Ridgecrest hold established neighborhoods and postwar tracts, and the China Lake area sits at the town's northern edge near the base gates. The 2019 earthquakes left renovation and repair opportunities across the housing stock.
Fidelity Funding is a direct, asset-based lender, so a Ridgecrest investor works with the people who approve the loan rather than a distant committee. We underwrite the property and the exit instead of a thick income file, and we routinely close in five to ten business days. Whether you are rehabbing an older home, holding a DSCR rental for base personnel and contractors, or bridging a commercial building, our capital keeps pace with this defense-driven high-desert market.
For a property in Ridgecrest, 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 Ridgecrest, South Ridgecrest, China Lake area, West Ridgecrest and adjacent Ridgecrest submarkets.
Illustrative property value: $247K · Illustrative financing range: $161K – $309K · Programs to discuss: DSCR rental and fix-and-flip
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 $161K to $309K range below is an illustration, not funded-loan history or an offer.
Options to discuss include DSCR rental and fix-and-flip, 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 flips, small multifamily, DSCR rentals, and small commercial across Downtown Ridgecrest, South Ridgecrest, West Ridgecrest, and the China Lake area, underwriting on the asset.
China Lake's defense workforce creates steady, base-driven rental demand, and we qualify DSCR loans on the property's cash flow rather than your personal income.
Yes. We fund rehab and repair on qualifying deals, covering up to 100% of rehab plus up to 90% of cost so you can restore quake-affected homes to marketable condition.
As fast as five to seven business days once title and valuation clear. As a direct lender, we control the timeline rather than waiting on a bank.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT