Sacramento represents the perfect intersection of affordability, growth, and steady demand. As the state capital, it provides a stable economic base, while the influx of residents seeking relief from Bay Area prices continues to drive property values upward. It is a prime market for yield-seeking real estate investors.
Fidelity Funding is a highly active lender in the Sacramento region. We provide the agile capital needed to acquire distressed housing stock, execute fix-and-flips, or build long-term rental portfolios. Our streamlined processes are designed to help you scale your real estate business efficiently.
Standard suburban product in Sacramento accounts for the bulk of our local volume — the median is around $494K and fix-and-flip deals here close on schedule.
Typical Sacramento 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 Midtown, East Sacramento, Land Park, Oak Park, Natomas, Carmichael and adjacent Sacramento submarkets.
Estimated local median: $494K · Typical loan range: $321K – $618K · Top program: fix-and-flip and DSCR rental
Most Sacramento private money loans we fund range from $321K to $618K, sized against an estimated local median around $494K. Loans outside that range are case-by-case based on parcel and scope.
For Sacramento, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes, we lend throughout the greater Sacramento region, including Elk Grove, Roseville, and Folsom.
Excellent. The tenant base is stable (heavily government and healthcare), and acquisition costs allow for strong cash flow.
We can handle both sides of the transaction. You use our short-term rehab loan to fix the property, and once leased, we seamlessly refinance you into our DSCR loan.
Yes, we provide bridge capital for investors repositioning commercial assets like retail centers or small office buildings.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT