Wheatland is a small Yuba County city in the southern reaches of the county near the Bear River, a former hop and ranching town that today sits in the path of growth spilling out from the Sacramento and Beale Air Force Base commute sheds. Downtown Wheatland holds a compact historic core, South Wheatland and the Lone Tree corridor carry older homes and newer subdivision activity, and the Beale AFB area to the east anchors military-linked demand. The economy blends agriculture, the military base, and commuter households, and Wheatland's relatively open, developable land makes it one of the more growth-oriented small towns in the region.
Fidelity Funding lends directly across Yuba County and underwrites on the asset and the plan rather than a borrower's tax returns. That flexibility fits Wheatland, where new construction on developable land sits alongside older value-add homes. Whether you are building on a Lone Tree corridor lot, flipping a dated downtown home, or holding a DSCR rental backed by Beale AFB demand, we close in five to ten business days and fund construction plus rehab sized to completed value.
For a property in Wheatland, 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 Wheatland, South Wheatland, Lone Tree corridor, Beale AFB area and adjacent Wheatland submarkets.
Illustrative property value: $219K · Illustrative financing range: $142K – $274K · 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 $142K to $274K 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.
Yes. Wheatland's developable land supports ground-up building, and our construction program funds a substantial share of costs sized to the completed value.
We do. Beale supports steady rental demand, and our DSCR loans qualify on projected rental income rather than personal returns.
As fast as five to seven business days once title and valuation clear, typically within five to ten as a direct lender.
Yes, we finance flips on dated downtown homes, covering up to 100% of rehab on an asset basis.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT