Waterford is a Central Valley hub in Stanislaus County, with affordable single-family inventory, strong tenant demand, and consistent investor activity across residential and agricultural-adjacent product.
Fidelity Funding provides hard money loans, private money, and bridge financing for Waterford borrowers across fix and flip, rental, and small commercial scenarios.
Waterford's combination of $270K-range housing basis and steady working-population rental demand produces some of the cleaner DSCR yields in California.
Most Waterford files we fund are DSCR rental holds against a $270K-range entry basis with steady working-population tenant demand. Local pocket coverage includes Downtown Waterford, Hickman corridor, River Pointe, Tim Bell Road area and adjacent Waterford submarkets.
Estimated local median: $270K · Typical loan range: $176K – $338K · Top program: DSCR rental and small commercial
Most Waterford private money loans we fund range from $176K to $338K, sized against an estimated local median around $270K. Loans outside that range are case-by-case based on parcel and scope.
For Waterford, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Most Waterford hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Waterford.
Yes. DSCR loans are well-suited to Waterford's rental market.
Yes. We regularly close Waterford 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