Truckee sits high in the Sierra Nevada in Nevada County, a historic railroad and logging town near Donner Pass that has become a premier four-season mountain resort community. Its restored Downtown Truckee of brick and wood storefronts anchors an economy built on skiing at Northstar and nearby resorts, summer recreation, and a strong second-home and vacation-rental market. The housing stock ranges from cabins and mountain homes in the vast Tahoe Donner community to Glenshire and the Northstar area, all commanding premium values shaped by the mountain lifestyle.
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 Tahoe Donner cabin, holding a short-term rental on DSCR terms, or bridging a Glenshire purchase, our capital keeps pace with a mountain market where prime season is short.
Truckee is a California mountain community where STR demand and seasonal access shape both DSCR underwriting and rehab schedules.
Investor exits in Truckee usually involve a 12 to 18 month rehab-to-stabilization timeline that respects seasonal build constraints. Local pocket coverage includes Downtown Truckee, Tahoe Donner, Northstar, Glenshire and adjacent Truckee submarkets.
Estimated local median: $446K · Typical loan range: $290K – $558K · Top program: STR DSCR and rehab
Most Truckee private money loans we fund range from $290K to $558K, sized against an estimated local median around $446K. Loans outside that range are case-by-case based on parcel and scope.
For Truckee, our highest-volume program is STR DSCR and rehab. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Four-season 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 Truckee deal.
Absolutely. Tahoe Donner cabins are strong value-add candidates, and we cover up to 100% of rehab costs with fast closings.
In five to ten business days, and as fast as five to seven once title and appraisal clear, since we make 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