Westmorland is a small Imperial County farm town along Highway 86 in the northwestern Imperial Valley, near the Salton Sea and surrounded by the irrigated fields that define the region's agriculture. Best known for its annual Rutabaga Festival, the town is a compact, tight-knit farming community whose economy rests almost entirely on ag production, packing, and the labor that works the valley's year-round crops. Housing centers on older homes and bungalows in Downtown Westmorland, modest residential in South Westmorland, and parcels stretching toward the Salton Sea border and along the Highway 86 corridor. Prices are among the lowest in the state, making it a market for patient, value-focused investors.
Fidelity Funding is a direct, asset-based lender, so a Westmorland investor deals directly with the decision-makers. We underwrite the property and the exit rather than pages of tax returns, and we close in five to ten business days. Whether you are rehabbing an older downtown bungalow, financing a small ag-service building along Highway 86, or holding a DSCR workforce rental tied to the harvest, our capital moves at the pace this remote farm-town market requires.
For a property in Westmorland, 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 Westmorland, South Westmorland, Highway 86 corridor, Salton Sea border and adjacent Westmorland submarkets.
Illustrative property value: $192K · Illustrative financing range: $125K – $240K · Programs to discuss: DSCR rental and small commercial
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 $125K to $240K range below is an illustration, not funded-loan history or an offer.
Options to discuss include DSCR rental and small commercial, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
We lend on single-family flips, small multifamily, DSCR rentals, and small commercial across Downtown Westmorland, South Westmorland, the Highway 86 corridor, and the Salton Sea border. Older homes and ag-service parcels qualify on an asset basis.
Yes. Year-round agriculture and packing keep a steady, if small, workforce renter base, which supports DSCR buy-and-hold at very low entry prices.
Extremely low acquisition costs and stable ag employment let patient investors enter cheaply; our asset-based underwriting funds the deal on the property's merits rather than a thick income file.
As fast as five to seven business days after title and valuation clear. As a direct lender, we move quickly even for remote valley 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