Mariposa County sits in the Sierra Nevada foothills as the primary western gateway to Yosemite National Park, roughly 17,000+ residents spread across the historic Gold Rush town of Mariposa, plus Coulterville, El Portal, and Fish Camp near the park's south entrance. Tourism drives the economy here, with millions of Yosemite visitors each year fueling demand for lodging, cabins, and short-term rentals, alongside ranching, timber, and a strong Gold Country heritage tradition. The median home value near $435,000 reflects the pull of a mountain lifestyle and vacation-property demand across largely rural, forested terrain. Investors focus on vacation and short-term rentals near the park, cabin and mountain-home flips, and value-add on the county's aging housing stock.
Fidelity Funding Corp has funded California real estate directly since 2006, and Mariposa's Yosemite-driven tourism economy is a natural fit for our lending. As a direct lender we close fix-and-flip, bridge, DSCR, construction, 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 renovating a cabin for short-term rental near Fish Camp, flipping an older home in Mariposa, or bridging a mountain-property purchase, we underwrite the deal on its merits and fund fast in this rural gateway market. Call (877) 300-3007.
Financing in Mariposa 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: $435K · Illustrative financing range: $261K – $609K · 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 $261K to $609K 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. Yosemite's visitor volume supports strong short-term rental income near the gateway communities, and our DSCR program can underwrite the property value and rental performance, qualifying on cash flow rather than tax returns.
We do. Cabins and mountain homes are core to the Mariposa market, and as a direct lender we underwrite each property on its merits, funding fix-and-flip and bridge deals where the value and exit support the loan.
Up to 90% of purchase cost plus 100% of rehab and 75% of after-repair value on qualifying deals, so you can buy and renovate with less cash out of pocket. Rates start at 9.99%.
Typically 5 to 10 business days. As a direct lender using our own capital, we can move quickly even in a rural Sierra gateway market. Call (877) 300-3007 for a same-day quote.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT