Lake County sits in the hills north of the Bay Area, roughly 68,000+ residents ringing Clear Lake, the largest natural freshwater lake entirely within California. Clearlake and Lakeport are the main towns, and the local economy leans on agriculture and wine grapes, recreation and lake tourism, geothermal energy at The Geysers, and retirees and second-home owners drawn to affordable waterfront living. The median home value near $310,000 makes Lake County one of the most affordable markets in Northern California, and wildfire rebuilding has reshaped parts of the housing stock in recent years. Investors work value-add flips, lakefront and vacation rentals, workforce housing, and small multifamily at a low acquisition basis.
Fidelity Funding Corp has been a direct California hard money lender since 2006, and Lake County's affordability, tourism income, and rebuilding activity create genuine opportunity for investors who fund fast. 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 rehabbing a Clearlake fixer, building on a cleared lot, or financing a Lakeport rental, we underwrite the deal on its merits and close with certainty. Call (877) 300-3007.
Financing in Lake 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: $310K · Illustrative financing range: $186K – $434K · 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 $186K to $434K 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 roll the build budget into the loan, funding up to 100% of construction costs on qualifying projects.
They are. Clear Lake draws recreation and tourism demand, and short-term rentals can produce strong income. Our DSCR program qualifies on the property's rental performance rather than your tax returns.
It works well. Our $50K minimum loan fits the local price points, and a low basis often makes flips and rentals pencil more easily. We size financing to the specific deal, not a market average.
Typically 5 to 10 business days. As a direct lender we control our own capital, so we can move quickly in Clearlake and Lakeport. 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