Buellton sits at the gateway to the Santa Ynez Valley wine country where Highway 101 meets Highway 246, a compact town best known for the Avenue of Flags commercial spine, its split-pea-soup landmark, and its role as a lodging and services hub for valley tourism. Residential pockets like McMurray and Shadow Mountain surround a Downtown that leans on travelers moving between the coast and the vineyards. The economy blends hospitality, wine-related business, and highway commerce, giving investors a mix of small commercial and residential angles.
Fidelity Funding lends directly across the Central Coast, and our asset-based approach suits Buellton's tourism-linked cash flows and its blend of residential and commercial plays. We underwrite the property and the exit and close in five to ten business days. Whether an investor is repositioning a property along the Avenue of Flags, bridging a Shadow Mountain home purchase, or holding a valley rental on DSCR terms, our capital moves fast enough to lock a deal in a market fueled by valley visitors.
Buellton sits in California's wine-country corridor where agricultural overlay, STR permitting, and well/septic considerations shape every underwriting file.
Investors in Buellton typically pair a bridge acquisition loan with a modest rehab line for tasting-room finishes or vineyard cottage upgrades. Local pocket coverage includes Downtown Buellton, Avenue of Flags corridor, McMurray, Shadow Mountain and adjacent Buellton submarkets.
Estimated local median: $1.15M · Typical loan range: $748K – $1.44M · Top program: vineyard-adjacent STR DSCR and small commercial bridge
Most Buellton private money loans we fund range from $748K to $1.44M, sized against an estimated local median around $1.15M. Loans outside that range are case-by-case based on parcel and scope.
For Buellton, our highest-volume program is vineyard-adjacent STR DSCR and small commercial bridge. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. We fund small commercial and mixed-use along Buellton's Avenue of Flags with bridge and cash-out loans, underwriting the building's income and your repositioning plan.
Absolutely. Residential pockets like McMurray and Shadow Mountain offer value-add homes, and we cover up to 100% of rehab costs with fast closings.
Yes, our DSCR program qualifies on the property's rental income, which suits Buellton's tourism-linked residential and short-term rental demand.
As fast as five to seven business days once title and appraisal clear, since we are a direct lender making decisions in-house.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT