Lodi sits in the heart of San Joaquin County wine country, with strong tourism, an active short-term rental market, and consistent demand for vineyard-adjacent residential and small commercial property.
Fidelity Funding provides hard money loans, private money, and bridge financing for Lodi borrowers across fix and flip, rental, and small commercial scenarios.
Lodi sits in California's wine-country corridor where agricultural overlay, STR permitting, and well/septic considerations shape every underwriting file.
Investors in Lodi typically pair a bridge acquisition loan with a modest rehab line for tasting-room finishes or vineyard cottage upgrades. Local pocket coverage includes Downtown Lodi, Lakewood, Sunwest, Woodbridge and adjacent Lodi submarkets.
Estimated local median: $598K · Typical loan range: $389K – $748K · Top program: vineyard-adjacent STR DSCR and small commercial bridge
Most Lodi private money loans we fund range from $389K to $748K, sized against an estimated local median around $598K. Loans outside that range are case-by-case based on parcel and scope.
For Lodi, 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.
Most Lodi hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Lodi.
Yes. DSCR loans are well-suited to Lodi's rental market.
Yes. Our DSCR program qualifies Lodi short-term rentals using platform income data.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT