Tracy is an established suburban market in San Joaquin County with strong owner-user and investor demand, deep single-family inventory, and steady rental absorption.
Fidelity Funding provides hard money loans, private money, and bridge financing for Tracy borrowers across fix and flip, rental, and small commercial scenarios.
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.
Most Tracy hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Tracy.
Yes. DSCR loans are well-suited to Tracy's rental market.
Yes. We regularly close Tracy loans under LLCs and other corporate entities.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT