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.
For a property in Truckee, 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 Truckee, Tahoe Donner, Northstar, Glenshire and adjacent Truckee submarkets.
Illustrative property value: $446K · Illustrative financing range: $290K – $558K · Programs to discuss: STR DSCR and rehab
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 $290K to $558K range below is an illustration, not funded-loan history or an offer.
Options to discuss include STR DSCR and rehab, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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