El Dorado County climbs from the Sacramento foothills into the Sierra Nevada and around the south shore of Lake Tahoe, roughly 191,000+ residents living in El Dorado Hills, Placerville, Cameron Park, and the resort community of South Lake Tahoe. Its economy blends Sacramento-area commuters and affluent suburbs on the west end, Gold Country tourism and wineries around Placerville, and year-round Tahoe recreation on the east. The median home value near $640,000 reflects strong demand for foothill and mountain homes from buyers seeking space and lifestyle. Investors work value-add flips and new construction in El Dorado Hills and Cameron Park, wine-country and historic-town projects near Placerville, and high-yield vacation rentals in South Lake Tahoe.
Fidelity Funding Corp has been a direct California hard money lender since 2006, and El Dorado County's mix of affluent suburbs, Gold Country tourism, and Tahoe resort demand fits our full program range. We close fix-and-flip, bridge, DSCR, construction, and small commercial loans in 5 to 10 business days, lending 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 building in El Dorado Hills, flipping a Placerville home, or financing a South Tahoe vacation rental, we underwrite fast and close with certainty. Call (877) 300-3007.
Financing in El Dorado 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: $640K · Illustrative financing range: $384K – $896K · 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 $384K to $896K 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. South Lake Tahoe short-term rentals earn strong seasonal income, and our DSCR loans qualify on the property's rental performance rather than tax returns. We also fund remodels that raise nightly rates and resale value.
We do. El Dorado Hills and Cameron Park see steady new building, and our ground-up construction loans fund up to 100% of the build budget on qualifying projects, with draw schedules matched to your timeline.
It can be. Gold Country tourism, wineries, and historic-town charm support resale demand, and older foothill homes around Placerville rehab well. We lend up to 90% of cost plus 100% of rehab on qualifying deals.
Typically 5 to 10 business days. As a direct lender using our own capital, we move quickly across the foothills and Tahoe. 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