Calaveras County lies in the heart of Gold Country in the central Sierra foothills, roughly 46,000+ residents across Angels Camp, San Andreas, Murphys, and the surrounding communities made famous by Mark Twain's jumping frog. The economy runs on wine and the tasting rooms of Murphys, tourism drawn to caverns and Gold Rush history, agriculture, ranching, and a steady flow of retirees and second-home buyers. The median home value near $420,000 keeps Calaveras affordable, though parts of the county have been reshaped by wildfire recovery and rebuilding in recent years. Investors work value-add flips of older foothill homes, wine-country and vacation rentals near Murphys, ground-up rebuilds, and small commercial along the Highway 4 corridor.
Fidelity Funding Corp has funded California real estate directly since 2006, and Calaveras County's affordability, wine tourism, and rebuilding activity create genuine opportunity for investors who move fast. As a direct lender we close fix-and-flip, bridge, DSCR, construction, 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 flipping near Angels Camp, financing a Murphys vacation rental, or rebuilding on a cleared lot, we underwrite the deal on its merits and close with certainty. Call (877) 300-3007.
Financing in Calaveras 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: $420K · Illustrative financing range: $252K – $588K · 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 $252K to $588K 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. We fund ground-up construction, including rebuilds on lots cleared by past fires. We underwrite the completed value and can fund up to 100% of the build budget on qualifying projects, with draws matched to your schedule.
They are. Murphys' wine tasting rooms and Gold Country tourism drive short-term rental demand, and our DSCR program qualifies on the property's rental performance rather than your tax returns.
We do. As a direct lender we underwrite each property on its own merits, so a rural foothill location in Calaveras doesn't stop us from closing when the numbers work.
Typically 5 to 10 business days. Rates start at 9.99% on loans from $50K to $50M. Call (877) 300-3007 to discuss your Angels Camp or Murphys project.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT