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.
Financing in Sierra 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: $325K · Illustrative financing range: $195K – $455K · 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 $195K to $455K 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 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