Napa is the commercial and cultural hub of the Napa Valley, where a revitalized Downtown Napa along the riverfront has become a destination in its own right, layered on top of a deep wine and hospitality economy. Neighborhoods tell the story of the city's growth: Old Town and Alta Heights carry Victorian and early-20th-century character, Browns Valley and Westwood offer mid-century and post-war ranch homes, and areas like Coombsville and Silverado stretch toward vineyard estates and larger lots. Steady tourism, an established workforce, and demand from Bay Area buyers seeking a valley lifestyle keep the housing market active across price tiers.
Fidelity Funding provides Napa real estate investors with fast, reliable private capital that traditional banks cannot match on timing. As a direct lender since 2006, we underwrite based on the asset and the business plan, funding fix-and-flip, bridge, DSCR, cash-out, and construction projects across the valley. Our closings run in 5 to 10 business days, letting investors compete for tightly held inventory in Browns Valley or reposition income properties near downtown without waiting on committee approvals.
Wine-country pricing in Napa reflects both lifestyle demand and STR cash flow potential; we underwrite Napa loans around a $1.09M median benchmark.
Most Napa files we fund involve STR-permit verification up front and a takeout structured against vacation-rental DSCR. Local pocket coverage includes Downtown Napa, Browns Valley, Alta Heights, Old Town, Linda Vista, Westwood and adjacent Napa submarkets.
Estimated local median: $1.09M · Typical loan range: $710K – $1.37M · Top program: vineyard-adjacent STR DSCR and small commercial bridge
Most Napa 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 Napa, 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 finance estate-scale and vineyard-adjacent properties, and our loans up to $50M and larger construction budgets suit the higher price tiers in those areas.
We offer cash-out bridge and DSCR options that let you pull equity from an existing Napa property to fund your next acquisition or rehab.
We commonly fund Victorian and early-1900s homes there that need modernization, lending on the after-repair value so you can capture the renovation upside.
Our fix-and-flip program can cover up to 90% of loan-to-cost plus 100% of the rehab budget, generally to a ceiling of 75% of after-repair value.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT