San Joaquin County, centered around Stockton and Tracy, is the logistical gateway between the Bay Area and the Central Valley. Driven by massive industrial expansion and super-commuters seeking affordability, the region is experiencing sustained, robust real estate demand.
Fidelity Funding provides aggressive capital solutions for San Joaquin County. We finance the revitalization of older neighborhoods in Stockton, support new residential infill development, and provide critical bridge debt for the rapidly expanding industrial and warehousing sector.
San Joaquin County fits the classic suburban California fix-and-flip profile: a $520K median, predictable comp sets, and a deep first-time-buyer pool.
Most San Joaquin 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: $520K · Typical loan range: $312K – $728K · Top program: fix-and-flip and DSCR rental
Across San Joaquin County, our typical private money loans range from $312K to $728K, sized against a county median of $520K. Larger commercial and multifamily scenarios are sized separately.
In San Joaquin 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, the demand for renovated, affordable housing makes Stockton a high-volume, profitable market for experienced flippers.
Absolutely. Industrial and logistics real estate is a core asset class we finance in San Joaquin County.
Yes, we provide financing for 2-4 unit and commercial multifamily properties in the area.
We have programs for first-time investors, provided the deal fundamentals are strong.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT