Riverbank sits on the Stanislaus River in eastern Stanislaus County, a town whose name and history trace to the old Santa Fe railroad and a former Army ammunition plant that has since been redeveloped into the Riverbank Industrial complex. Today the economy blends light manufacturing, distribution, and the surrounding almond and dairy country, while the Crossroads shopping area off Highway 108 anchors retail. Downtown Riverbank keeps older cottages and a compact Main Street, South and central neighborhoods hold postwar and newer tract homes, and the Patterson Road corridor carries commercial and service uses linking the town to Oakdale and Modesto. Affordability keeps drawing valley commuters.
Fidelity Funding is a direct, asset-based lender, so a Riverbank investor deals with decision-makers instead of a distant committee. We underwrite the collateral and the exit rather than pages of pay stubs, and we regularly close in five to ten business days. Whether you are rehabbing an older downtown home, holding a workforce DSCR rental, or bridging a building near the Riverbank Industrial complex, our capital moves at valley speed.
Riverbank anchors a productive agricultural corner of California where DSCR rental yields and small-commercial bridge dominate investor activity.
Investor exits in Riverbank typically involve a DSCR refi or small commercial stabilization play. Local pocket coverage includes Downtown Riverbank, Crossroads, Riverbank Industrial, Patterson Road corridor and adjacent Riverbank submarkets.
Estimated local median: $270K · Typical loan range: $176K – $338K · Top program: DSCR rental and small commercial
Most Riverbank private money loans we fund range from $176K to $338K, sized against an estimated local median around $270K. Loans outside that range are case-by-case based on parcel and scope.
For Riverbank, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We fund flips, small multifamily, DSCR rentals, and small commercial across Downtown Riverbank, Crossroads, the Riverbank Industrial area, and the Patterson Road corridor on an asset basis.
As fast as five to seven business days once title and valuation clear. Being a direct lender lets us match the speed of Stanislaus County's value-tier market.
Yes. We lend on small commercial and mixed-use along Patterson Road and near the Industrial complex, bridging acquisition or repositioning when the exit is clear.
We lend from $50K to $50M, up to 90% of cost plus 100% of rehab and up to 75% of ARV on qualifying deals, sized to your project and exit.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT