Sebastopol 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 Sebastopol borrowers across fix and flip, rental, and small commercial scenarios.
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.
Most Sebastopol hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Sebastopol.
Yes. DSCR loans are well-suited to Sebastopol's rental market.
Yes. Our DSCR program qualifies Sebastopol 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