Butte County anchors the northern Sacramento Valley, roughly 220,000+ residents centered on Chico, the region's commercial and cultural hub, along with Oroville, Paradise, and Gridley. Chico State University drives a durable student-rental market, while agriculture, particularly almonds, walnuts, and rice, healthcare, and government employment round out the economy. The county's housing market was reshaped by the 2018 Camp Fire that destroyed much of Paradise, spurring an ongoing rebuild and heightened demand across Chico and the surrounding valley. The median home value near $385,000 keeps Butte affordable relative to the coast, with strong rental demand and active value-add opportunity. Investors focus on Chico State student rentals, value-add flips, and ground-up construction tied to the Paradise-area recovery.
Fidelity Funding Corp has funded California real estate directly since 2006, and Butte's university demand, affordability, and rebuild activity fit our lending well. As a direct lender we close fix-and-flip, bridge, DSCR, construction, multifamily, and small commercial loans in 5 to 10 business days, using our own capital on loans from $50K to $50M at rates from 9.99% with leverage up to 90% of cost plus 100% of rehab. Whether you're adding student rentals near Chico State, building on a Paradise lot, or flipping an Oroville fixer, we underwrite fast and fund reliably. Call (877) 300-3007.
Financing in Butte County requires a property-specific review. County-wide reference figures cannot substitute for recent comparable sales, an appraisal, or a contractor's scope and budget.
Check the relevant city or county planning department for permit, zoning, and rental requirements. Financing terms depend on underwriting and program availability.
Illustrative property reference: $385K · Illustrative financing range: $231K – $539K · Programs to discuss: fix-and-flip and DSCR rental
These model-generated examples are not current market data, appraisals, funded-loan statistics, or a loan offer. Request property-specific underwriting and current terms.
Loan amounts depend on the specific property's value, costs, and underwriting. The $231K to $539K range shown here is a model illustration, not a record of funded loans or a current quote.
Programs to discuss include fix-and-flip and DSCR rental. Eligibility for bridge, construction, commercial real estate, and DSCR rental financing depends on your property and loan scenario.
Yes. Chico State drives steady rental demand, and our DSCR loans qualify on the property's rental income rather than tax returns, which suits investors building a student-housing portfolio in Chico.
We do. We provide ground-up construction financing for the Camp Fire recovery, underwriting the completed value and lending up to 90% of cost plus the build budget, with draws and interest reserves to carry the project through completion.
It can be strong. Chico and Oroville hold affordable homes that renovate at a lower basis than the coast, and post-fire demand supports resale. We lend up to 90% of cost plus 100% of rehab and 75% of after-repair value.
Typically 5 to 10 business days. As a direct lender using our own capital, we can move quickly in a supply-pressured market. Rates start at 9.99%; call (877) 300-3007.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT