Santa Maria anchors the northern end of Santa Barbara County, an agricultural workhorse city built on strawberries, wine grapes, and produce shipping, with a broad, affordable housing base that stands in sharp contrast to the coastal towns to the south. The Highway 101 corridor and the Town Center area drive commerce, while neighborhoods like Tanglewood and the Sycamore area, along with the Orcutt border to the south, offer the 1960s-1990s tract inventory that value-add investors look for. Payrolls from agriculture, food processing, and a growing healthcare sector keep rental demand steady and entry pricing well below the county's coastal cities.
Fidelity Funding lends directly across the Central Coast, and our asset-based approach fits Santa Maria's mix of first-time flippers and buy-and-hold landlords. We size a deal on the property and the plan, not a W-2 history, and close in as little as five to seven business days. Whether an investor is modernizing a tired Sycamore tract home, holding a Tanglewood rental on DSCR terms, or funding small commercial along the 101, our capital moves at a pace that keeps affordable inventory from slipping to a cash competitor.
For a property in Santa Maria, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Downtown Santa Maria, Orcutt border, Tanglewood, Sycamore and adjacent Santa Maria submarkets.
Illustrative property value: $600K · Illustrative financing range: $390K – $750K · Programs to discuss: DSCR rental and small commercial
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $390K to $750K range below is an illustration, not funded-loan history or an offer.
Options to discuss include DSCR rental and small commercial, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
It can be, thanks to affordable entry pricing and steady rental demand from agriculture, food processing, and healthcare. Our DSCR loans qualify on the property's rental income rather than personal income.
We lend on single-family flips, small multifamily, DSCR rentals, and small commercial across Downtown, Tanglewood, Sycamore, and the Orcutt border on an asset basis.
As fast as five to seven business days once title and appraisal clear. As a direct lender since 2006, we rarely get outrun in this affordable, fast-moving market.
Yes. We fund small commercial and mixed-use along the 101 corridor with bridge and cash-out loans, underwriting the building's income and your business plan.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT