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.
For a property in Buellton, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Downtown Buellton, Avenue of Flags corridor, McMurray, Shadow Mountain and adjacent Buellton submarkets.
Illustrative property value: $1.15M · Illustrative financing range: $748K – $1.44M · Programs to discuss: vineyard-adjacent STR DSCR and small commercial bridge
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $748K to $1.44M range below is an illustration, not funded-loan history or an offer.
Options to discuss include vineyard-adjacent STR DSCR and small commercial bridge, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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