Santa Rosa sits in the heart of Sonoma County wine country, with strong tourism, an active short-term rental market, and consistent demand for vineyard-adjacent residential and small commercial property.
Fidelity Funding provides hard money loans, private money, and bridge financing for Santa Rosa borrowers across fix and flip, rental, and small commercial scenarios.
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.
Most Santa Rosa hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Santa Rosa.
Yes. DSCR loans are well-suited to Santa Rosa's rental market.
Yes. Our DSCR program qualifies Santa Rosa short-term rentals using platform income data.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT