Sonoma 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 Sonoma borrowers across fix and flip, rental, and small commercial scenarios.
Sonoma sits in California's wine-country corridor where agricultural overlay, STR permitting, and well/septic considerations shape every underwriting file.
Investors in Sonoma typically pair a bridge acquisition loan with a modest rehab line for tasting-room finishes or vineyard cottage upgrades. Local pocket coverage includes Sonoma Plaza, Boyes Hot Springs border, East Side, West Side, Fetters Hot Springs, Springs corridor and adjacent Sonoma submarkets.
Estimated local median: $977K · Typical loan range: $635K – $1.22M · Top program: vineyard-adjacent STR DSCR and small commercial bridge
Most Sonoma 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 Sonoma, 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 Sonoma hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in Sonoma.
Yes. DSCR loans are well-suited to Sonoma's rental market.
Yes. Our DSCR program qualifies Sonoma 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