Merced County anchors the central San Joaquin Valley, roughly 290,000+ residents across the city of Merced, home to UC Merced, along with Los Banos, Atwater, and Livingston. UC Merced, the University of California's newest campus, is a growth engine driving student and staff rental demand, while agriculture, dairy, food processing, and logistics along Highway 99 and Interstate 5 shape a working valley economy. The median home value near $385,000 keeps Merced affordable and draws Bay Area commuters and investors chasing cash flow. High-speed rail construction and campus expansion continue to fuel long-term investor interest. Investors work UC Merced student rentals, Merced and Los Banos value-add flips, and construction and multifamily tied to the area's growth.
Fidelity Funding Corp has funded California real estate directly since 2006, and Merced's university growth, affordability, and rental demand make it a strong fit for our programs. 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 adding student rentals near UC Merced, flipping a Los Banos home, or building in a growing valley community, we underwrite fast and fund reliably. Call (877) 300-3007.
Merced County fits the classic suburban California fix-and-flip profile: a $385K median, predictable comp sets, and a deep first-time-buyer pool.
Most Merced County loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets.
County median home value: $385K · Typical loan range: $231K – $539K · Top program: fix-and-flip and DSCR rental
Across Merced County, our typical private money loans range from $231K to $539K, sized against a county median of $385K. Larger commercial and multifamily scenarios are sized separately.
In Merced 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. UC Merced is growing and drives increasing rental demand, and our DSCR loans qualify on the property's rental income rather than tax returns, which suits investors building a student-housing portfolio.
It can be strong. Merced and Los Banos hold affordable homes that renovate at a low basis, and campus growth and commuter demand support resale. We lend up to 90% of cost plus 100% of rehab and 75% of after-repair value.
We do. The county's campus-driven growth supports ground-up building and multifamily, and we underwrite the completed value and lend up to 90% of cost plus the build budget on qualifying projects.
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