Modoc County is a Sierra Nevada market with mountain resort communities, strong short-term rental demand, scarce inventory, and consistent investor activity.
Fidelity Funding provides hard money and bridge financing for Modoc County investors across cabin rehabs, STR acquisitions, and luxury repositioning.
Modoc County is a steady Modoc County submarket where owner-user comp sets are clean, appraisals turn quickly, and $215K-band fix-and-flip inventory absorbs reliably.
Investor exits in Modoc County skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $215K median for downside protection.
County median home value: $215K · Typical loan range: $129K – $301K · Top program: fix-and-flip and DSCR rental
Across Modoc County, our typical private money loans range from $129K to $301K, sized against a county median of $215K. Larger commercial and multifamily scenarios are sized separately.
In Modoc 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. Our DSCR program qualifies Modoc County STRs using platform income data.
Yes. Cabin and mountain-home rehabs are common in Modoc County.
Yes. We regularly close Modoc County loans under LLCs and other corporate entities.
Most Modoc 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