Napa sits in the heart of Napa 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 Napa borrowers across fix and flip, rental, and small commercial scenarios.
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.
Most Napa hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Napa.
Yes. DSCR loans are well-suited to Napa's rental market.
Yes. Our DSCR program qualifies Napa 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