St Helena sits in the heart of Napa 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 St Helena borrowers across fix and flip, rental, and small commercial scenarios.
Investor activity in St Helena centers on STR-permitted parcels and small vineyard-adjacent commercial — typical project values track the $1.09M local median.
We structure St Helena loans to clear agricultural overlay, well/septic, and STR permitting checkpoints before the rehab line draws down. Local pocket coverage includes Downtown St Helena, Lodi Lane, Spring Mountain, Pope Valley and adjacent St Helena submarkets.
Estimated local median: $1.09M · Typical loan range: $710K – $1.37M · Top program: vineyard-adjacent STR DSCR and small commercial bridge
Most St Helena private money loans we fund range from $710K to $1.37M, sized against an estimated local median around $1.09M. Loans outside that range are case-by-case based on parcel and scope.
For St Helena, 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 St Helena hard money loans close in 5 to 10 business days.
Yes. Fix and flip is one of our most-funded loan types in St Helena.
Yes. DSCR loans are well-suited to St Helena's rental market.
Yes. Our DSCR program qualifies St Helena 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