Shafter sits northwest of Bakersfield in Kern County, a farming town that has increasingly become a major logistics and distribution center thanks to the Wonderful Company's operations and the International Trade and Transportation Center near the rail lines. Almonds, pistachios, potatoes, and cotton anchor the ag base, while the growing warehouse sector adds thousands of jobs. Downtown Shafter keeps the historic core and older homes, the master-planned Gossamer Grove community brings a wave of newer family tract housing, Lerdo lies to the north near the county facilities, and South Shafter holds established residential. Job growth keeps housing demand firm.
Fidelity Funding is a direct, asset-based lender, so a Shafter investor works with the people who approve the loan rather than a distant committee. We underwrite the property and the exit instead of a thick income file, and we routinely close in five to ten business days. Whether you are flipping an older Downtown Shafter home, holding a DSCR rental for ag and distribution workers, or bridging a commercial building, our capital keeps pace with this fast-growing valley logistics market.
Shafter's combination of $228K-range housing basis and steady working-population rental demand produces some of the cleaner DSCR yields in California.
Most Shafter files we fund are DSCR rental holds against a $228K-range entry basis with steady working-population tenant demand. Local pocket coverage includes Downtown Shafter, Gossamer Grove, Lerdo, South Shafter and adjacent Shafter submarkets.
Estimated local median: $228K · Typical loan range: $148K – $285K · Top program: DSCR rental and small commercial
Most Shafter private money loans we fund range from $148K to $285K, sized against an estimated local median around $228K. Loans outside that range are case-by-case based on parcel and scope.
For Shafter, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on flips, small multifamily, DSCR rentals, and small commercial across Downtown Shafter, Gossamer Grove, Lerdo, and South Shafter, underwriting each deal on the asset.
Growing ag and warehouse employment creates steady rental demand, and we qualify DSCR loans on the property's cash flow rather than your personal income.
Yes. We finance homes in the Gossamer Grove community and other newer tracts where value and exit are clear, underwriting the collateral on its merits.
As fast as five to seven business days once title and valuation clear. As a direct lender since 2006, we control funding and move at the market's pace.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT