Winters is a small agricultural town in western Yolo County at the foot of the Coast Range, set among orchards and farmland along Putah Creek near the mouth of the Berryessa canyon. Its walkable, tree-shaded Downtown has quietly revitalized with restaurants and a boutique hotel, drawing weekend visitors and new residents while retaining its farming roots. The housing stock ranges from historic Downtown homes to newer subdivisions in South and East Winters, offering value-add opportunity in a market with real charm and growth momentum.
Fidelity Funding lends directly across California, and our asset-based approach fits Winters' blend of small-town value-add stock and steady demand. We underwrite the property and the plan and close in as little as five to seven business days. Whether an investor is restoring an older Downtown home, holding a rental on DSCR terms, or funding small commercial in the revitalizing core, our capital moves fast enough to compete in this charming and increasingly sought-after Sacramento Valley market.
Winters's combination of $357K-range housing basis and steady working-population rental demand produces some of the cleaner DSCR yields in California.
Most Winters files we fund are DSCR rental holds against a $357K-range entry basis with steady working-population tenant demand. Local pocket coverage includes Downtown Winters, South Winters, Putah Creek corridor, East Winters and adjacent Winters submarkets.
Estimated local median: $357K · Typical loan range: $232K – $446K · Top program: DSCR rental and small commercial
Most Winters private money loans we fund range from $232K to $446K, sized against an estimated local median around $357K. Loans outside that range are case-by-case based on parcel and scope.
For Winters, our highest-volume program is DSCR rental and small commercial. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
Yes. Older homes near the revitalizing Downtown are strong value-add candidates, and we cover up to 100% of rehab costs on an asset basis.
Absolutely. Our DSCR loans qualify on the property's rental income, which suits steady demand across South and East Winters.
Yes, we finance small commercial and mixed-use with bridge and cash-out loans, underwriting the building's income and your plan.
As fast as five to seven business days once title and appraisal clear, since we make decisions in-house as a direct lender.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT