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.
Financing in Merced 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: $385K · Illustrative financing range: $231K – $539K · 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 $231K to $539K 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. 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