Nevada County occupies the western Sierra Nevada, roughly 102,000+ residents split between the Gold Country towns of Grass Valley and Nevada City in the foothills and the mountain resort community of Truckee near the north shore of Lake Tahoe. The foothill economy blends tourism, arts, healthcare, and retirees drawn to historic downtowns, while Truckee thrives on year-round Tahoe recreation, second homes, and vacation rentals. The median home value near $525,000 spans affordable foothill housing and premium Truckee mountain properties. Investors work value-add flips and historic-home restorations around Grass Valley and Nevada City, plus high-yield vacation rentals and mountain remodels in Truckee, where nightly rates justify significant renovation budgets.
Fidelity Funding Corp is a direct California hard money lender operating since 2006, and Nevada County's dual foothill and mountain markets give investors distinct, active plays. As a direct lender we close fix-and-flip, bridge, DSCR, construction, 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 restoring a Nevada City Victorian, flipping in Grass Valley, or financing a Truckee vacation rental, we underwrite fast and fund with the certainty mountain deals demand. Call (877) 300-3007.
Financing in Nevada 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: $525K · Illustrative financing range: $315K – $735K · 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 $315K to $735K 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. Truckee's proximity to North Lake Tahoe supports strong year-round short-term rental income, and our DSCR program qualifies on the property's rental performance rather than tax returns. We also fund remodels that lift nightly rates.
We do. Nevada City and Grass Valley have rich stocks of historic homes that reward careful restoration. We can lend up to 90% of cost plus 100% of rehab and 75% of after-repair value, giving you buy-and-renovate capital in one loan.
We can. As a direct lender we underwrite each property on its merits, and we're comfortable with Sierra mountain deals. We'll evaluate access, value, and your exit plan and structure terms that reflect the project.
Typically 5 to 10 business days. Rates start at 9.99% on loans from $50K to $50M. Call (877) 300-3007 to discuss your Grass Valley, Nevada City, or Truckee project.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT