Modoc County occupies California's remote northeastern corner, roughly 9,000+ residents scattered across a high-country landscape of cattle ranches, hay and alfalfa fields, and the pine forests of the Modoc National Forest and Warner Mountains. Alturas is the lone incorporated city and the county seat, with tiny communities like Cedarville, Fort Bidwell, and Newell filling out an economy built on ranching, agriculture, timber, and government employment. The median home value near $215,000 makes Modoc one of the most affordable markets in the state, dominated by older single-family homes, ranch properties, and land. Investors here work a niche of low-basis value-add flips, workforce and government-employee rentals in Alturas, and ranch and agricultural-adjacent acquisitions.
Fidelity Funding Corp is a direct California hard money lender operating since 2006, and even a remote frontier county like Modoc is within our statewide reach. As a direct lender we underwrite each property on its own merits and close fix-and-flip, bridge, DSCR, 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 rehabbing an older Alturas home, bridging a ranch-property purchase, or holding a rental near the county seat, we deliver fast decisions and dependable funding where many lenders won't go. Call (877) 300-3007.
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. We fund throughout California, including frontier counties like Modoc. As a direct lender we underwrite each property on its own merits, so an isolated northeastern location isn't a barrier when the numbers work.
It works well. Our $50K minimum loan matches the county's affordable price points, and a very low acquisition basis often makes flips and rentals pencil more easily. We size financing to the specific deal, not a market average.
We can consider ranch and agricultural-adjacent acquisitions on a bridge basis, underwriting the property value and your exit. Terms depend on the collateral and plan; call us to discuss the specifics of your Modoc deal.
Typically 5 to 10 business days once we have the contract, a value opinion, and your documents. Rates start at 9.99% on loans from $50K to $50M. Call (877) 300-3007 to get started.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT