Tuolumne County sits in the central Sierra foothills and rises toward Yosemite National Park, roughly 55,000+ residents anchored by Sonora, Jamestown, and Twain Harte, with the mountain community of Pinecrest and the Highway 108 corridor climbing into the high country. The economy leans heavily on Yosemite-gateway tourism, Gold Country history, timber, ranching, and healthcare, with Sonora serving as the region's commercial and medical hub. The median home value near $395,000 keeps the county affordable, though wildfire recovery has reshaped parts of the housing stock. Investors work value-add flips of older Sonora-area homes, cabin and vacation rentals serving Yosemite visitors, ground-up rebuilds, and small commercial in the historic downtown corridor.
Fidelity Funding Corp is a direct California hard money lender that has operated since 2006, and Tuolumne County's Yosemite tourism, affordability, and rebuilding activity create real opportunity for investors who fund quickly. 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 flipping near Sonora, financing a Yosemite-gateway cabin rental, or rebuilding on a cleared lot, we underwrite on the deal's merits and close with certainty. Call (877) 300-3007.
Financing in Tuolumne 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: $395K · Illustrative financing range: $237K – $553K · 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 $237K to $553K 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. Cabins and vacation homes near Sonora, Twain Harte, and Pinecrest draw steady Yosemite visitor demand, and our DSCR program qualifies on the property's rental income rather than your tax returns.
We do. We provide ground-up construction loans, including rebuilds on cleared lots, underwriting the completed value and funding up to 100% of the build budget on qualifying projects.
It can be. Sonora is the county's commercial and medical hub with steady demand, and older foothill homes rehab well at an affordable basis. 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 control our own capital, so we can move quickly in the foothills. 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