Rio Dell is a small, affordable town on the Eel River in southern Humboldt County, sitting across the water from the historic company town of Scotia and its old redwood-lumber mill. The community grew around the timber economy, and its modest housing stock, older frame homes near Downtown Rio Dell, mid-century houses, and parcels running south along the Wildwood corridor, reflects that working-class heritage. With some of the lowest home prices in the region and proximity to Highway 101, Rio Dell attracts value-seeking buyers, workers, and investors priced out of Eureka and Fortuna.
Fidelity Funding lends directly across Humboldt County and understands the value-add potential in an affordable market like Rio Dell. Because our loans are asset-based, we underwrite the property and the plan rather than a borrower's income documents, which suits investors renovating inexpensive homes for resale or rent. We close in five to ten business days, fund up to 90% of purchase plus 100% of rehab, and offer DSCR loans for steady local tenant demand. Speak with a decision-maker directly at (877) 300-3007.
For a property in Rio Dell, 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 Rio Dell, Scotia border, South Rio Dell, Wildwood corridor and adjacent Rio Dell submarkets.
Illustrative property value: $404K · Illustrative financing range: $262K – $505K · 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 $262K to $505K 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.
Yes. Our lending starts at $50K, which comfortably covers Rio Dell's affordable price points while still funding rehab on an asset basis.
Absolutely. We underwrite your renovation plan and after-repair value, funding up to 90% of purchase and up to 100% of rehab on aging Rio Dell homes.
Yes. DSCR loans qualify on the property's rental income, which fits the steady demand for affordable housing in and around Rio Dell.
Typically five to ten business days, and as fast as five to seven once title and valuation clear, given our direct-lender structure.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT