Merced County is a Central Valley market with affordable single-family inventory, strong tenant demand, and consistent investor activity across residential and agricultural-adjacent product.
Fidelity Funding provides hard money, private money, and bridge financing for Merced County investors across fix and flip, rental, and small commercial scenarios.
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. Merced County is a core market for our DSCR rental program.
Yes. We regularly close Merced County loans under LLCs and other corporate entities.
Yes. We provide commercial bridge financing throughout Merced County.
Most Merced County hard money loans close in 5 to 10 business days.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT