Petaluma sits in the heart of Sonoma 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 Petaluma borrowers across fix and flip, rental, and small commercial scenarios.
Wine-country pricing in Petaluma reflects both lifestyle demand and STR cash flow potential; we underwrite Petaluma loans around a $977K median benchmark.
Most Petaluma files we fund involve STR-permit verification up front and a takeout structured against vacation-rental DSCR. Local pocket coverage includes Downtown Petaluma, West Petaluma, East Petaluma, Cherry Valley, Riverfront, Oakmead and adjacent Petaluma submarkets.
Estimated local median: $977K · Typical loan range: $635K – $1.22M · Top program: vineyard-adjacent STR DSCR and small commercial bridge
Most Petaluma private money loans we fund range from $635K to $1.22M, sized against an estimated local median around $977K. Loans outside that range are case-by-case based on parcel and scope.
For Petaluma, 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 Petaluma hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Petaluma.
Yes. DSCR loans are well-suited to Petaluma's rental market.
Yes. Our DSCR program qualifies Petaluma 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