Sierra County is one of California's smallest and most rural counties, roughly 3,200+ residents living high in the northern Sierra Nevada across Loyalton, Downieville, Sierra City, and the surrounding Tahoe and Yuba watershed country. The economy rests on outdoor recreation, ranching in the Sierra Valley, timber, and tourism drawn to the Lakes Basin, fishing, and Gold Rush history along Highway 49. The median home value near $325,000 makes it an affordable but very limited-inventory market, with older cabins, historic homes, and ranch properties making up much of the stock. Investors here work cabin and vacation rentals, value-add flips of older homes, ground-up rebuilds, and the occasional ranch or small commercial property.
Fidelity Funding Corp is a direct California hard money lender that has operated since 2006, and we lend even in the state's smallest, most remote counties, including Sierra. 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 financing a Lakes Basin cabin rental, flipping a Loyalton or Downieville home, or building on a rural lot, we underwrite the deal on its merits and fund with certainty where most lenders won't go. Call (877) 300-3007.
Sierra County fits the classic suburban California fix-and-flip profile: a $325K median, predictable comp sets, and a deep first-time-buyer pool.
Most Sierra 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: $325K · Typical loan range: $195K – $455K · Top program: fix-and-flip and DSCR rental
Across Sierra County, our typical private money loans range from $195K to $455K, sized against a county median of $325K. Larger commercial and multifamily scenarios are sized separately.
In Sierra 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 its smallest and most remote counties. As a direct lender we underwrite each property on its own merits, so even a very rural Sierra County location isn't a barrier when the deal works.
We can. Cabins near the Lakes Basin and Downieville draw seasonal recreation demand, and our DSCR program qualifies on the property's rental income rather than your tax returns.
Not with us. Many lenders avoid low-inventory rural markets, but as a direct lender we evaluate the specific property, its value, and your exit. Our $50K minimum fits Sierra County's affordable price points.
Typically 5 to 10 business days. Rates start at 9.99% on loans from $50K to $50M. Call (877) 300-3007 to discuss your Loyalton or Downieville 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