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.
Santa Rosa fits the classic suburban California fix-and-flip profile: a $808K median, predictable comp sets, and a deep first-time-buyer pool.
Most Santa Rosa loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes Railroad Square, McDonald, Junior College, Bennett Valley, Skyhawk, Fountaingrove and adjacent Santa Rosa submarkets.
Estimated local median: $808K · Typical loan range: $525K – $1.01M · Top program: fix-and-flip and DSCR rental
Most Santa Rosa private money loans we fund range from $525K to $1.01M, sized against an estimated local median around $808K. Loans outside that range are case-by-case based on parcel and scope.
For Santa Rosa, our highest-volume program is fix-and-flip and DSCR rental. 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