Del Norte County sits at California's far northwest corner, roughly 28,000+ residents anchored by Crescent City on a rugged Pacific coastline framed by redwood parks and the Smith River. Its economy rests on fishing and the harbor, timber, tourism drawn to Redwood National and State Parks, healthcare, and Pelican Bay State Prison as a major employer. The median home value near $310,000 makes Del Norte one of the most affordable coastal markets anywhere in California, with older housing stock in and around Crescent City offering low-basis entry. Investors here focus on affordable value-add flips, workforce rentals serving the harbor and prison economy, and small multifamily and commercial in a limited but steady market.
Fidelity Funding Corp is a direct California hard money lender that has operated since 2006, and we lend in even the state's most remote counties, including Del Norte. We close fix-and-flip, bridge, DSCR, 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 rehabbing an older Crescent City home, adding a workforce rental, or bridging a purchase near the harbor, we underwrite the deal on its merits and fund with the certainty that's hard to find this far north. Call (877) 300-3007.
Del Norte County is a steady Del Norte County submarket where owner-user comp sets are clean, appraisals turn quickly, and $310K-band fix-and-flip inventory absorbs reliably.
Investor exits in Del Norte County skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $310K median for downside protection.
County median home value: $310K · Typical loan range: $186K – $434K · Top program: fix-and-flip and DSCR rental
Across Del Norte County, our typical private money loans range from $186K to $434K, sized against a county median of $310K. Larger commercial and multifamily scenarios are sized separately.
In Del Norte County, fix-and-flip and DSCR rental make up the majority of our volume. We also fund bridge, construction, commercial real estate, and DSCR rental scenarios county-wide.
Yes. We fund throughout California, including remote counties like Del Norte. As a direct lender we underwrite each property on its own merits, so a location as far north as Crescent City doesn't prevent us from closing.
Not at all. Our minimum loan is $50K, which fits Del Norte's affordable price points, and a lower basis often means a flip or rental pencils more easily. We size the loan to the deal, not to a market average.
They can be. Employment from the harbor, Pelican Bay State Prison, and healthcare supports steady rental demand, and our DSCR loans qualify on rental income rather than tax returns, which suits buy-and-hold investors.
Typically 5 to 10 business days. Rates start at 9.99% on loans from $50K to $50M. Call (877) 300-3007 to discuss your Crescent City 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