Tehachapi sits in a mountain pass at roughly 4,000 feet in southeastern Kern County, a high-desert town best known for the Tehachapi Loop railroad landmark and the vast wind farms that ridge its surrounding hills. Its cooler climate, pine-dotted setting, and proximity to Bakersfield draw both retirees and commuters seeking mountain living. Downtown Tehachapi keeps a historic railroad-era Main Street, Golden Hills adds established residential, and the gated communities of Stallion Springs and Bear Valley Springs offer larger-lot mountain homes, equestrian property, and semi-rural parcels. Cement plants and the energy sector round out the local economy.
Fidelity Funding is a direct, asset-based lender, so a Tehachapi investor deals with decision-makers rather than a faraway committee. We underwrite the collateral and the plan instead of a stack of pay stubs, and we regularly close in five to ten business days. Whether you are flipping an older Downtown Tehachapi home, holding a DSCR rental in Golden Hills, or financing a larger parcel in Stallion Springs or Bear Valley Springs, our capital moves at the pace this mountain market requires.
For a property in Tehachapi, 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 Tehachapi, Stallion Springs, Bear Valley Springs, Golden Hills and adjacent Tehachapi submarkets.
Illustrative property value: $247K · Illustrative financing range: $161K – $309K · Programs to discuss: DSCR rental and fix-and-flip
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 $161K to $309K range below is an illustration, not funded-loan history or an offer.
Options to discuss include DSCR rental and fix-and-flip, 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 Tehachapi, Golden Hills, Stallion Springs, and Bear Valley Springs, underwriting on the asset.
Yes. We finance homes and larger parcels in Stallion Springs and Bear Valley Springs, including equestrian and semi-rural property, where value and exit are clear.
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 committee.
Up to 90% of cost, 100% of rehab, and up to 75% of ARV on qualifying deals, with rates starting at 9.99% and terms sized to your exit.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT