Santa Clarita is a master-planned commuter valley north of the San Fernando basin, stitched together by the I-5 and Highway 14 and anchored by the film studios, Six Flags Magic Mountain, and a growing cluster of aerospace and biotech employers. The housing stock tells its own story: 1960s and 1970s tracts in Newhall and Canyon Country sit alongside newer, HOA-governed communities in Valencia, Westridge, and Plum Canyon. That contrast is exactly what draws investors here — older Saugus and Newhall homes offer real value-add upside, while the polished Valencia corridors deliver steady owner-occupant demand from families chasing the school districts.
Fidelity Funding is a direct, asset-based lender, so a Santa Clarita investor works with the people who actually make the decision. We underwrite the property and the plan, not a stack of tax returns, and we routinely close in five to ten business days. Whether you are buying a dated Canyon Country tract home to flip, adding an ADU behind a Saugus lot, or holding a Valencia rental on a DSCR loan, our capital moves at the pace this competitive north-county market demands.
Santa Clarita fits the classic suburban California fix-and-flip profile: a $808K median, predictable comp sets, and a deep first-time-buyer pool.
Most Santa Clarita loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes Valencia, Saugus, Newhall, Canyon Country, Stevenson Ranch, Castaic and adjacent Santa Clarita submarkets.
Estimated local median: $808K · Typical loan range: $525K – $1.01M · Top program: fix-and-flip and DSCR rental
Most Santa Clarita private money loans we fund range from $525K to $1.01M, sized against an estimated local median around $808K. Loans outside that range are case-by-case based on parcel and scope.
For Santa Clarita, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on single-family flips, ADU projects, small multifamily, and DSCR rentals throughout Valencia, Saugus, Newhall, Canyon Country, and Stevenson Ranch. Older tract homes and newer master-planned properties both qualify on an asset basis.
Yes. ADUs are popular on the larger Saugus and Castaic lots, and our construction and rehab programs cover up to 100% of rehab costs so you can add rentable square footage without draining cash reserves.
As fast as five to seven business days once title and appraisal clear. Because we are a direct lender, Santa Clarita's competitive tract-home market rarely outruns our timeline.
Yes, we regularly fund bridge and DSCR loans on HOA-governed homes in Valencia, Westridge, and Plum Canyon, underwriting the asset and the exit rather than the HOA 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