Plymouth is the northern gateway to Amador County's wine country, a small town where a compact Downtown Plymouth main street feeds visitors toward the tasting rooms of the Shenandoah Valley, the heart of the county's Zinfandel-rich viticulture. Highway 49 runs through town, and the Fiddletown corridor and the historic Rancheria area extend the rural character into the rolling vineyard hills. Housing is a mix of older cottages near the core, ranch homes on acreage, and hospitality and agritourism properties that ride the growth of the wine trade, giving Plymouth an economy tied more to visitors and vineyards than to any single employer.
Fidelity Funding lends directly across Amador County, underwriting the property and the plan rather than a borrower's income documents. That fits a wine-country market where deals often mix residential, hospitality, and rural land in ways a conventional lender struggles with. Whether you are converting a Shenandoah Valley property to a rental, flipping a downtown cottage, or bridging into a hospitality-adjacent purchase, we close in five to ten business days and fund up to 90% of purchase plus 100% of rehab.
Wine-country pricing in Plymouth reflects both lifestyle demand and STR cash flow potential; we underwrite Plymouth loans around a $494K median benchmark.
Most Plymouth files we fund involve STR-permit verification up front and a takeout structured against vacation-rental DSCR. Local pocket coverage includes Downtown Plymouth, Shenandoah Valley, Fiddletown corridor, Rancheria and adjacent Plymouth submarkets.
Estimated local median: $494K · Typical loan range: $321K – $618K · Top program: vineyard-adjacent STR DSCR and small commercial bridge
Most Plymouth private money loans we fund range from $321K to $618K, sized against an estimated local median around $494K. Loans outside that range are case-by-case based on parcel and scope.
For Plymouth, 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. Shenandoah Valley tourism supports strong nightly demand, and our DSCR loans qualify on projected rental income rather than your personal tax returns.
We do. We finance homes on acreage along the Fiddletown corridor and Rancheria area, sizing the loan to the completed value and your exit.
As fast as five to seven business days once title and valuation clear, typically within five to ten as a direct lender.
Yes, we finance flips on older cottages near the core, covering up to 100% of rehab on an asset basis.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT