Bakersfield Hard Money and Investor Loans
Kern County got its own state drilling law that no other county has.
USA Mortgage funds investors across Bakersfield. Kern carries California's lowest entry basis among major metros. Oil funds Kern's tax base, not its payroll. Every loan is business-purpose only, subject to underwriting.
You hear the decision from the people who underwrote your deal.
The lowest entry basis of California's major metros
Bakersfield's home values sit well under Fresno, Riverside, Sacramento, Los Angeles, and San Diego, while rents hold up against that lower basis. The rent-to-value relationship here runs ahead of every other major California metro, so debt service coverage clears in a state where it usually does not.
Oil funds the county, government and health care fund the payroll
Oil and gas make up a meaningful share of Kern's tax base but a small slice of direct employment. Government is the county's largest employer, with health care and social assistance close behind and growing fast, which makes the tenant base steadier than an oilfield headline suggests.
One county, but not one tax rate
Kern's property tax rate areas number in the thousands and vary by school and water district bonds, not by city line. A purchase resets your parcel's assessed value to your price, and a spring closing can trigger supplemental bills for two fiscal years, so pull the exact rate area before you underwrite.
Loan programs in Kern County
Acquisition through exit, all funded or arranged by one lender.
Kern County lending questions
Funding Kern County deals fast.
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