Windsor is a family-oriented Sonoma County town just north of Santa Rosa, built around a walkable Town Green that hosts summer concerts and a farmers market at the heart of Downtown Windsor. Surrounded by Russian River Valley vineyards and orchards, it blends wine-country setting with suburban livability, drawing commuters and families who value its schools and greenbelt. Housing runs from established neighborhoods like Vintage Greens and homes near Esposti Park to newer subdivisions along the Old Redwood corridor, with SMART rail service connecting residents south toward the Bay Area. The mix of wine-country appeal and suburban demand keeps well-finished homes moving and rentals steady.
Fidelity Funding is a direct, asset-based lender, so a Windsor investor works with the people who make the decision. We underwrite the property and the exit rather than a thick income file, and we close in five to ten business days. Whether you are updating a Vintage Greens home, adding an ADU on a larger lot near the vineyards, or holding a DSCR rental along the Old Redwood corridor, our capital keeps pace with this wine-country suburb.
Windsor sits in California's wine-country corridor where agricultural overlay, STR permitting, and well/septic considerations shape every underwriting file.
Investors in Windsor typically pair a bridge acquisition loan with a modest rehab line for tasting-room finishes or vineyard cottage upgrades. Local pocket coverage includes Downtown Windsor, Esposti Park, Old Redwood corridor, Vintage Greens and adjacent Windsor submarkets.
Estimated local median: $977K · Typical loan range: $635K – $1.22M · Top program: vineyard-adjacent STR DSCR and small commercial bridge
Most Windsor 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 Windsor, 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.
We lend on single-family flips, ADU projects, small multifamily, and DSCR rentals across Downtown Windsor, Esposti Park, the Old Redwood corridor, and Vintage Greens. Established and newer homes both qualify on an asset basis.
Yes. Larger lots on the vineyard edge 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-demand suburb.
It combines Russian River Valley wine-country appeal with strong schools, a walkable Town Green, and SMART rail access, keeping resale and rental demand firm for well-finished homes.
As fast as five to seven business days once title and appraisal clear. As a direct lender, we move quickly in this competitive Sonoma 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