South Lake Tahoe sits at the southern shore of Lake Tahoe in El Dorado County, a four-season resort town where the Nevada casinos at Stateline, the Heavenly ski resort and its Heavenly Village base, and the lakefront draw year-round tourism. The economy runs almost entirely on hospitality and vacation-home demand, and the housing stock ranges from classic A-frame cabins in Bijou to the waterfront and canal homes of the Tahoe Keys. Vacation-rental income and second-home buyers dominate a market shaped by the mountains and the lake.
Fidelity Funding lends directly across California, and our asset-based approach fits a resort market where income is seasonal and vacation-rental cash flow drives value. We underwrite the property and the exit rather than a tidy income file, and close in five to ten business days. Whether an investor is renovating a Bijou cabin, holding a short-term rental on DSCR terms, or bridging a Tahoe Keys waterfront purchase, our capital keeps pace with a market where prime season doesn't wait.
For a property in South Lake Tahoe, 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 Stateline, Heavenly Village, Tahoe Keys, Bijou and adjacent South Lake Tahoe submarkets.
Illustrative property value: $544K · Illustrative financing range: $354K – $680K · Programs to discuss: STR DSCR and rehab
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 $354K to $680K range below is an illustration, not funded-loan history or an offer.
Options to discuss include STR DSCR and rehab, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. Year-round tourism supports strong short-term rental demand, and our DSCR loans can be sized on the property's rental income rather than personal income.
Not with us. As an asset-based lender we underwrite the property and the exit, so seasonal income does not block a Tahoe deal.
Absolutely. With loans up to $50M, we can size financing for premium waterfront and canal-front Tahoe Keys properties.
In five to ten business days, and as fast as five to seven once title and appraisal clear, since we are a direct lender making decisions in-house.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT