Taft sits in the oil country of southwestern Kern County, a town built on the historic Midway-Sunset field and the petroleum industry that still defines it, celebrated at the annual Oildorado festival. Oil-field services, extraction, and Taft College anchor the local economy in a landscape of pumpjacks and rolling hills. Downtown Taft holds the older commercial core and vintage homes, while the neighboring unincorporated communities of Ford City, South Taft, and Taft Heights add modest residential dating to the oil boom decades. Housing runs value-tier, and the market rises and falls with energy prices and drilling activity.
Fidelity Funding is a direct, asset-based lender, so a Taft investor deals with decision-makers rather than a distant committee. We underwrite the collateral and the plan instead of pages of pay stubs, and we regularly close in five to ten business days. Whether you are flipping an older Downtown Taft home, holding a DSCR rental for oil-field and college workers, or bridging a small commercial building, our capital moves at the pace this oil-patch market requires.
For a property in Taft, 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 Downtown Taft, South Taft, Ford City, Taft Heights and adjacent Taft submarkets.
Illustrative property value: $228K · Illustrative financing range: $148K – $285K · Programs to discuss: DSCR rental and small commercial
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 $148K to $285K range below is an illustration, not funded-loan history or an offer.
Options to discuss include DSCR rental and small commercial, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
We lend on flips, small multifamily, DSCR rentals, and small commercial across Downtown Taft, South Taft, Ford City, and Taft Heights, underwriting each deal on the asset.
We lend from $50K and up, so value-priced Taft deals can qualify when the collateral and exit support the loan.
Yes. Oil-field and college employment sustains rental demand, and we qualify DSCR loans on the property's cash flow rather than your personal income.
As fast as five to seven business days once title and valuation clear. As a direct lender, we control funding rather than waiting on a bank.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT