Woodlake is a small Tulare County town at the foot of the Sierra northeast of Visalia, tucked beside Bravo Lake and near the entrance to the Sequoia and Kings Canyon high country. Surrounded by citrus groves and olive orchards, its economy runs on agriculture, packing, and the seasonal tourism drawn by Bravo Lake, the botanical gardens, and the annual rodeo. Housing centers on older homes and bungalows in Downtown Woodlake, modest residential in South Woodlake, and parcels along the Naranjo corridor and near the Bravo Lake area. Affordable prices, a scenic foothill setting, and proximity to the national parks give it appeal for both workforce rentals and the occasional recreation-oriented buyer.
Fidelity Funding is a direct, asset-based lender, so a Woodlake investor works with the people who make the decision. We underwrite the property and the exit rather than a thick income file, and we close in five to ten business days. Whether you are rehabbing an older downtown home, financing a parcel near Bravo Lake, or holding a DSCR workforce rental tied to the citrus industry, our capital moves at the pace this foothill farm town requires.
Agricultural overlay zoning, well and septic review, and parcel-line analysis are standard on Woodlake files; typical project values run around $216K.
We size Woodlake loans around realistic well/septic review timelines, parcel-line confirmation, and agricultural overlay zoning. Local pocket coverage includes Downtown Woodlake, South Woodlake, Naranjo corridor, Bravo Lake area and adjacent Woodlake submarkets.
Estimated local median: $216K · Typical loan range: $140K – $270K · Top program: DSCR rental and small commercial
Most Woodlake private money loans we fund range from $140K to $270K, sized against an estimated local median around $216K. Loans outside that range are case-by-case based on parcel and scope.
For Woodlake, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on single-family flips, small multifamily, DSCR rentals, and small commercial across Downtown Woodlake, South Woodlake, the Naranjo corridor, and the Bravo Lake area. Older homes and foothill parcels qualify on an asset basis.
Yes. Citrus and olive growing, packing, and seasonal ag work keep a steady workforce renter base, which supports DSCR buy-and-hold at affordable valley prices.
Yes. We fund Bravo Lake-area and Naranjo-corridor parcels where zoning and access support a clear residential or small-commercial exit, underwriting the collateral rather than the acreage alone.
As fast as five to seven business days after title and valuation clear. As a direct lender, we move quickly for Tulare County 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