Vacaville sits on Interstate 80 between Fairfield and Davis in Solano County, a suburban city that grew from an agricultural town famed for its fruit orchards into a biotech and distribution center, home to major Genentech operations and the popular Vacaville outlet malls. Its central location and relative affordability draw commuters headed to both the Bay Area and Sacramento. Downtown Vacaville keeps a revitalized historic core, Browns Valley offers established and upscale homes in the western hills, North Orchard and newer tracts add family housing, and Cherry Glen holds semi-rural and larger-lot residential. A strong job base and varied stock keep the market healthy.
Fidelity Funding is a direct, asset-based lender, so a Vacaville investor works with the people who approve the loan rather than a distant committee. We underwrite the property and the exit instead of a thick income file, and we routinely close in five to ten business days. Whether you are flipping an older Downtown Vacaville home, holding a DSCR rental for biotech and commuter tenants, or repositioning a Browns Valley property, our capital keeps pace with this growing Solano market.
Vacaville fits the classic suburban California fix-and-flip profile: a $546K median, predictable comp sets, and a deep first-time-buyer pool.
Most Vacaville loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets. Local pocket coverage includes Downtown Vacaville, Browns Valley, North Orchard, Cherry Glen and adjacent Vacaville submarkets.
Estimated local median: $546K · Typical loan range: $355K – $683K · Top program: fix-and-flip and DSCR rental
Most Vacaville private money loans we fund range from $355K to $683K, sized against an estimated local median around $546K. Loans outside that range are case-by-case based on parcel and scope.
For Vacaville, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
We lend on flips, multifamily, DSCR rentals, bridge, and small commercial across Downtown Vacaville, Browns Valley, North Orchard, and Cherry Glen, underwriting on the asset.
Biotech employment and dual-metro commuting keep rental demand steady, and we qualify DSCR loans on the property's cash flow rather than your income.
Yes. We finance larger-lot and semi-rural property where zoning and access support a clear residential exit, focusing on the collateral.
As fast as five to seven business days once title and valuation clear. As a direct lender, we control funding rather than waiting on a bank.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT