Calistoga sits at the northern tip of Napa Valley, a spa town famous for its geothermal hot springs, mud baths, Old Faithful geyser, and the wineries lining the Silverado Trail and Highway 29. The walkable Downtown Calistoga keeps a low-key, historic character of vintage storefronts, boutique inns, and tasting rooms, while the Foothill area and Mt View slopes rise toward the wooded hills. Wine and wellness tourism drive the economy, and inventory is scarce, with values in the luxury-wine tier. Investors here chase both the town's character homes and the strong short-term-rental demand from visitors seeking the Napa hot-springs experience.
Fidelity Funding is a direct, asset-based lender, so a Calistoga investor works with the people who make the decision on high-value wine-country deals. We underwrite the asset and the exit rather than a thick income file, and we close in five to ten business days. Whether you are restoring a downtown vintage home, financing a permitted vacation rental near the hot springs, or bridging a Silverado Trail-adjacent purchase, our capital moves fast enough to win in this tightly held resort market.
Calistoga sits in California's wine-country corridor where agricultural overlay, STR permitting, and well/septic considerations shape every underwriting file.
Investors in Calistoga typically pair a bridge acquisition loan with a modest rehab line for tasting-room finishes or vineyard cottage upgrades. Local pocket coverage includes Downtown Calistoga, Foothill, Silverado Trail corridor, Mt View and adjacent Calistoga submarkets.
Estimated local median: $1.09M · Typical loan range: $710K – $1.37M · Top program: vineyard-adjacent STR DSCR and small commercial bridge
Most Calistoga private money loans we fund range from $710K to $1.37M, sized against an estimated local median around $1.09M. Loans outside that range are case-by-case based on parcel and scope.
For Calistoga, 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.
We lend on vintage restorations, single-family flips, short-term rentals, small multifamily, and DSCR holds across Downtown Calistoga, Foothill, the Silverado Trail corridor, and Mt View. Character homes and premium property both qualify on an asset basis.
Yes. Hot-springs and wine tourism support premium nightly rates; we underwrite the asset and projected income and can size a DSCR loan to a permitted STR's revenue.
Yes. We fund loans from $50K to $50M and underwrite the asset, so premium downtown, Foothill, and Silverado Trail properties fit within our lending range.
As fast as five to seven business days once title and appraisal clear. As a direct lender, we move quickly to win in this low-inventory resort market.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT