Kern County, anchored by Bakersfield, is a powerhouse of agriculture and energy production. Its lower cost of living compared to coastal California makes it a magnet for growth and an attractive market for yield-focused real estate investors seeking lower barrier-to-entry acquisitions.
Fidelity Funding provides dynamic capital solutions throughout Kern County. We empower local investors to execute profitable cosmetic flips, stabilize value-add multifamily complexes, and secure bridge financing for the region's expanding industrial and agricultural support infrastructure.
Kern County is a steady Kern County submarket where owner-user comp sets are clean, appraisals turn quickly, and $380K-band fix-and-flip inventory absorbs reliably.
Investor exits in Kern County skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $380K median for downside protection.
County median home value: $380K · Typical loan range: $228K – $532K · Top program: fix-and-flip and DSCR rental
Across Kern County, our typical private money loans range from $228K to $532K, sized against a county median of $380K. Larger commercial and multifamily scenarios are sized separately.
In Kern 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, Bakersfield is a major hub for our Kern County lending operations, particularly for fix-and-flips and rental portfolios.
We do lend on properties with well and septic systems, provided they are functional and typical for the specific submarket.
Highly viable. The lower acquisition costs make it one of the best markets in California for the BRRRR strategy.
We primarily lend on residential investment and commercial properties; raw agricultural land is typically evaluated on a strict case-by-case basis.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT