Sebastopol is west Sonoma County's artsy, farm-to-table hub, an old Gravenstein apple town that has become a magnet for boutique wineries, cideries, and a countercultural creative scene. The Barlow marketplace anchors a walkable Downtown Sebastopol, while the surrounding hills toward Bodega Highway hold orchards, small farms, and wooded homesteads leading to the coast. Housing runs from vintage craftsman and farmhouse stock near downtown and the Apple Blossom area to hillside homes in Burnett Heights, all commanding a premium for the town's charm, schools, and proximity to the Russian River and Sonoma Coast. Bay Area buyers and hospitality demand keep the market tight and values elevated.
Fidelity Funding is a direct, asset-based lender, so a Sebastopol investor works with the people who approve the loan. We underwrite the asset and the exit rather than a thick income file, and we close in five to ten business days. Whether you are restoring a downtown craftsman, adding an ADU on a Bodega Highway parcel, or holding a permitted vacation rental near the Barlow on a DSCR loan, our capital moves fast enough for this competitive west-county market.
Wine-country pricing in Sebastopol reflects both lifestyle demand and STR cash flow potential; we underwrite Sebastopol loans around a $977K median benchmark.
Most Sebastopol files we fund involve STR-permit verification up front and a takeout structured against vacation-rental DSCR. Local pocket coverage includes Downtown Sebastopol, Bodega Highway corridor, Burnett Heights, Apple Blossom and adjacent Sebastopol submarkets.
Estimated local median: $977K · Typical loan range: $635K – $1.22M · Top program: vineyard-adjacent STR DSCR and small commercial bridge
Most Sebastopol 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 Sebastopol, 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.
We lend on vintage restorations, single-family flips, ADU projects, short-term rentals, and DSCR holds across Downtown Sebastopol, the Bodega Highway corridor, Burnett Heights, and Apple Blossom. Character and hillside homes both qualify on an asset basis.
Yes. Larger parcels along the Bodega Highway corridor suit detached ADUs, and our construction and rehab programs cover up to 100% of rehab costs so you can add rentable square footage in a high-rent area.
Yes. Wine-country and coastal tourism support nightly stays near the Barlow and downtown; we underwrite the asset and projected income and can size a DSCR loan to a permitted STR's revenue.
As fast as five to seven business days once title and appraisal clear. As a direct lender, we move quickly in this tightly held west-county market.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT