Lodi is San Joaquin County wine country, an old Zinfandel town where century-old vines, more than eighty wineries, and the tree-lined School Street district give the market a character distinct from the surrounding valley farms. Downtown Lodi centers on a walkable historic core with the Mission-style arch and boutique tasting rooms, while Woodbridge to the west blends riverfront living with vineyard estates. Established neighborhoods like Lakewood and Sunwest hold solid mid-century and later-tract homes, and the town's location off Highway 99 and near Interstate 5 draws Bay Area commuters and Sacramento-adjacent buyers looking for value with charm.
Fidelity Funding is a direct, asset-based lender, so a Lodi investor works with the people who make the call. We underwrite the property and the exit rather than a stack of tax documents, and we close in five to ten business days. Whether you are restoring a craftsman near School Street, converting a Woodbridge parcel for short-term wine-tourism stays, or holding a Sunwest rental on a DSCR loan, our capital moves fast enough for this competitive wine-country market.
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.
We finance single-family flips, historic-home restorations, short-term rentals, small multifamily, and DSCR holds across Downtown Lodi, Woodbridge, Lakewood, and Sunwest. Both vintage and newer homes qualify on an asset basis.
Yes. Wine-tourism demand supports nightly stays near the wineries and downtown; we underwrite the asset and projected income and can size a DSCR loan to a permitted STR's revenue.
As fast as five to seven business days once title and appraisal clear. As a direct lender, we routinely beat conventional timelines in Lodi's competitive market.
Yes. We fund bridge and rehab loans on Woodbridge parcels with a clear residential or hospitality exit, underwriting the collateral and the plan rather than the vineyard operation alone.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT