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.
Mountain STR cash flow drives investor activity in South Lake Tahoe; properties around the $544K median often DSCR-qualify based on peak-season nightly rates.
We structure South Lake Tahoe loans with weather-window buffers so rehab draws align with the local construction calendar. Local pocket coverage includes Stateline, Heavenly Village, Tahoe Keys, Bijou and adjacent South Lake Tahoe submarkets.
Estimated local median: $544K · Typical loan range: $354K – $680K · Top program: STR DSCR and rehab
Most South Lake Tahoe private money loans we fund range from $354K to $680K, sized against an estimated local median around $544K. Loans outside that range are case-by-case based on parcel and scope.
For South Lake Tahoe, our highest-volume program is STR DSCR and rehab. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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