Placer County runs from the Sacramento suburbs up into the Sierra Nevada, roughly 414,000+ residents spanning the fast-growing cities of Roseville, Rocklin, and Lincoln, the historic town of Auburn, and the resort communities around North Lake Tahoe and Truckee's western edge. It's one of Northern California's strongest growth stories, powered by tech and healthcare employers, master-planned communities, retail, and Tahoe tourism. The median home value near $675,000 reflects steady demand from families relocating from the Bay Area and Sacramento in search of newer housing and good schools. Investors work new-build and value-add opportunity in the valley, along with lucrative Tahoe-area vacation rentals and mountain remodels at higher price points.
Fidelity Funding Corp has funded California real estate directly since 2006, and Placer County's growth corridor and Tahoe resort market give investors two distinct, active plays. 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 flipping in Roseville, building near Auburn, or financing a Tahoe vacation rental, we underwrite fast and fund reliably. Call (877) 300-3007.
Placer County fits the classic suburban California fix-and-flip profile: a $675K median, predictable comp sets, and a deep first-time-buyer pool.
Most Placer County loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets.
County median home value: $675K · Typical loan range: $405K – $945K · Top program: fix-and-flip and DSCR rental
Across Placer County, our typical private money loans range from $405K to $945K, sized against a county median of $675K. Larger commercial and multifamily scenarios are sized separately.
In Placer 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. North Lake Tahoe short-term rentals produce strong seasonal income, and our DSCR program qualifies on the property's rental performance rather than tax returns. We also fund mountain remodels that raise both nightly rates and resale value.
We do. Placer's growth corridor sees active new building, and we provide ground-up construction loans that fund up to 100% of the build budget on qualifying projects, with draws structured to your timeline.
It can be strong. Steady in-migration from the Bay Area and Sacramento supports resale, and value-add homes in Roseville, Rocklin, and Auburn rehab well. We lend up to 90% of cost plus 100% of rehab on qualifying flips.
Typically 5 to 10 business days. As a direct lender we fund our own loans, so we can move quickly on both valley and Tahoe listings. 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