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.
Wine-country pricing in Santa Rosa reflects both lifestyle demand and STR cash flow potential; we underwrite Santa Rosa loans around a $977K median benchmark.
Most Santa Rosa files we fund involve STR-permit verification up front and a takeout structured against vacation-rental DSCR. Local pocket coverage includes Railroad Square, McDonald, Junior College, Bennett Valley, Skyhawk, Fountaingrove and adjacent Santa Rosa submarkets.
Estimated local median: $977K · Typical loan range: $635K – $1.22M · Top program: vineyard-adjacent STR DSCR and small commercial bridge
Most Santa Rosa 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 Santa Rosa, 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. 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