Madera County stretches from the San Joaquin Valley floor into the Sierra Nevada foothills, roughly 161,000+ residents spanning the agricultural city of Madera, the growing master-planned community around Rancho Madera and Madera Ranchos, and the Yosemite-gateway mountain towns of Oakhurst and Bass Lake. Agriculture drives the valley economy, with almonds, grapes, and pistachios, while tourism to Yosemite's southern entrance and the Sierra National Forest shapes the foothill market. The median home value near $365,000 keeps Madera affordable relative to nearby Fresno-area coastal alternatives, drawing investors to value-add flips and cash-flow rentals. Investors work Madera-city workforce rentals, foothill vacation rentals near Oakhurst and Bass Lake, and construction tied to the county's population growth.
Fidelity Funding Corp has funded California real estate directly since 2006, and Madera's split valley-and-foothill market fits our full program range. As a direct lender we close fix-and-flip, bridge, DSCR, construction, multifamily, 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 flipping a Madera home, holding an Oakhurst vacation rental, or building in a growing valley community, we underwrite fast and fund reliably. Call (877) 300-3007.
Financing in Madera 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: $365K · Illustrative financing range: $219K – $511K · 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 $219K to $511K 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. Oakhurst and Bass Lake see steady Yosemite-driven tourism, and our DSCR program can underwrite the property value and short-term rental performance, qualifying on cash flow rather than tax returns.
It can be. Madera holds affordable homes that renovate at a lower basis than coastal California, and steady demand supports resale. We lend up to 90% of cost plus 100% of rehab and 75% of after-repair value.
We do. The county's valley-floor growth supports ground-up building, and we underwrite the completed value and lend up to 90% of cost plus the build budget, with draws and interest reserves through completion.
Typically 5 to 10 business days. As a direct lender using our own capital, we can move quickly. 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