El Dorado County is a Sierra Nevada market with mountain resort communities, strong short-term rental demand, scarce inventory, and consistent investor activity.
Fidelity Funding provides hard money and bridge financing for El Dorado County investors across cabin rehabs, STR acquisitions, and luxury repositioning.
El Dorado County is a steady El Dorado County submarket where owner-user comp sets are clean, appraisals turn quickly, and $640K-band fix-and-flip inventory absorbs reliably.
Investor exits in El Dorado County skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $640K median for downside protection.
County median home value: $640K · Typical loan range: $384K – $896K · Top program: fix-and-flip and DSCR rental
Across El Dorado County, our typical private money loans range from $384K to $896K, sized against a county median of $640K. Larger commercial and multifamily scenarios are sized separately.
In El Dorado 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. Our DSCR program qualifies El Dorado County STRs using platform income data.
Yes. Cabin and mountain-home rehabs are common in El Dorado County.
Yes. We regularly close El Dorado County loans under LLCs and other corporate entities.
Most El Dorado County hard money loans close in 5 to 10 business days.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT