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.
Financing in Modoc 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: $215K · Illustrative financing range: $129K – $301K · 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 $129K to $301K 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. 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