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.
For a property in Sebastopol, 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 Downtown Sebastopol, Bodega Highway corridor, Burnett Heights, Apple Blossom and adjacent Sebastopol submarkets.
Illustrative property value: $977K · Illustrative financing range: $635K – $1.22M · Programs to discuss: vineyard-adjacent STR DSCR and small commercial bridge
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 $635K to $1.22M range below is an illustration, not funded-loan history or an offer.
Options to discuss include vineyard-adjacent STR DSCR and small commercial bridge, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
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