Tracy sits at the western edge of San Joaquin County where the Central Valley meets the Altamont Pass, a fast-growing city that has become a major Bay Area commuter and logistics hub, with vast distribution centers in the Cordes Ranch and Northeast Industrial areas and new subdivisions climbing into Tracy Hills. Its housing blends older stock in Old Tracy and Ellis with sprawling 1990s-2020s tract homes in Edgewood and South Schulte, all fed by the ACE train and Interstate 205 toward Bay Area jobs. Relative affordability and relentless household growth keep demand strong from commuters and first-time buyers.
As a direct, asset-based lender, Fidelity Funding funds Tracy investors on the deal rather than income documents. We finance flips of tract and older homes, ADU additions, warehouse-adjacent small commercial, and DSCR rentals serving the commuter and logistics workforce. Lending statewide since 2006 with rates from 9.99% and closings in 5 to 10 business days, we give San Joaquin County investors the speed to win off-market deals and the flexibility to hold or exit on their schedule.
Tracy is a steady California submarket where owner-user comp sets are clean, appraisals turn quickly, and $494K-band fix-and-flip inventory absorbs reliably.
Investor exits in Tracy skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $494K median for downside protection. Local pocket coverage includes Edgewood, Plescia Estates, Ellis, Cordes Ranch, Tracy Hills, Old Tracy and adjacent Tracy submarkets.
Estimated local median: $494K · Typical loan range: $321K – $618K · Top program: fix-and-flip and DSCR rental
Most Tracy private money loans we fund range from $321K to $618K, sized against an estimated local median around $494K. Loans outside that range are case-by-case based on parcel and scope.
For Tracy, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. ACE train and I-205 access to Bay Area jobs, plus a large logistics workforce, sustain strong rental demand for buy-and-holds.
We do. Tracy's 1990s-2020s tract homes there support updated move-up resale, financed to the after-repair value.
Yes. Given Tracy's logistics base, we fund small commercial and industrial-adjacent acquisitions on an asset basis.
Typically 5 to 10 business days, keeping you competitive on off-market Tracy deals.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT