Santa Rosa is the largest city in Sonoma County and the commercial hub of Wine Country, anchored by the revived Railroad Square district, the historic McDonald Avenue mansions, and the Junior College neighborhood, with newer hillside communities like Skyhawk and Fountaingrove climbing the eastern ridges. Its housing spans Victorian and Craftsman homes near the core, mid-century tracts, and rebuilt neighborhoods such as Coffey Park that came back after the 2017 wildfires. Wine-industry employment, tourism, and a growing base of Bay Area transplants keep demand steady, while fire-rebuild activity and aging stock create broad renovation and construction opportunity.
As a direct, asset-based lender, Fidelity Funding funds Santa Rosa investors on the deal rather than income documents. We finance flips of historic and tract homes, ground-up rebuilds, ADU additions, and DSCR rentals serving the wine, tourism, and healthcare workforce. Lending across California since 2006 with rates from 9.99% and closings in 5 to 10 business days, we give Wine Country investors the speed to act on off-market deals and the flexibility to hold or exit as planned.
For a property in Santa Rosa, 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 Railroad Square, McDonald, Junior College, Bennett Valley, Skyhawk, Fountaingrove and adjacent Santa Rosa submarkets.
Illustrative property value: $808K · Illustrative financing range: $525K – $1.01M · Programs to discuss: fix-and-flip and DSCR rental
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 $525K to $1.01M range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. Our construction program funds rebuilds in fire-affected and hillside areas like Coffey Park and Fountaingrove, underwritten to the as-completed value.
We do. Victorian and Craftsman homes near Railroad Square and McDonald Avenue restore into premiums, financed to the after-repair value.
It is. Wine, tourism, and healthcare employment sustain steady rental demand, supporting buy-and-hold financing.
Typically 5 to 10 business days, keeping you competitive on off-market Santa Rosa deals.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT