Ridgecrest is a High Desert market in Kern County with affordable inventory, strong rental demand, and consistent investor activity along major Southern California logistics corridors.
Fidelity Funding provides hard money loans, private money, and bridge financing for Ridgecrest borrowers across fix and flip, rental, and small commercial scenarios.
Ridgecrest pricing reflects a working high-desert market where investor yields out-perform coastal California on a per-dollar basis around the $247K benchmark.
Most Ridgecrest loans we fund are DSCR rental holds where the entry basis around $247K supports double-digit cash-on-cash yields. Local pocket coverage includes Downtown Ridgecrest, South Ridgecrest, China Lake area, West Ridgecrest and adjacent Ridgecrest submarkets.
Estimated local median: $247K · Typical loan range: $161K – $309K · Top program: DSCR rental and fix-and-flip
Most Ridgecrest private money loans we fund range from $161K to $309K, sized against an estimated local median around $247K. Loans outside that range are case-by-case based on parcel and scope.
For Ridgecrest, our highest-volume program is DSCR rental and fix-and-flip. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most Ridgecrest hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Ridgecrest.
Yes. DSCR loans are well-suited to Ridgecrest's rental market.
Yes. Ridgecrest and the broader High Desert are core markets for our hard money lending.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT