Santa Barbara County stretches along the Central Coast, from the wine country and agriculture of the Santa Ynez and Santa Maria valleys to the affluent coastal communities of Santa Barbara, Montecito, and Goleta. Its roughly 444,000+ residents live in an economy powered by UC Santa Barbara, tourism and hospitality, wine, strawberries and other high-value agriculture, and the aerospace and space-launch activity at Vandenberg Space Force Base. The median home value near $1.0M masks a wide split: Santa Maria and Lompoc remain workforce-priced while Santa Barbara and Montecito command a steep premium. Investors work luxury coastal remodels, student-housing rentals near UCSB, vineyard-estate improvements, and value-add multifamily along the Highway 101 spine.
Fidelity Funding Corp has funded California real estate directly since 2006, and Santa Barbara County's mix of high-value coastal deals and workforce inland markets fits our full program range. We close bridge, fix-and-flip, construction, DSCR, multifamily, and small commercial loans in 5 to 10 business days, lending our own capital from $50K to $50M at rates from 9.99% with leverage up to 90% of cost plus 100% of rehab. Whether you're renovating a Montecito estate, adding student rentals in Isla Vista, or bridging a Santa Maria acquisition, we underwrite the deal on its merits and fund fast. Call (877) 300-3007.
Financing in Santa Barbara County requires a property-specific review. County-wide reference figures cannot substitute for recent comparable sales, an appraisal, or a contractor's scope and budget.
Check the relevant city or county planning department for permit, zoning, and rental requirements. Financing terms depend on underwriting and program availability.
Illustrative property reference: $1M · Illustrative financing range: $600K – $1.4M · Programs to discuss: fix-and-flip and DSCR rental
These model-generated examples are not current market data, appraisals, funded-loan statistics, or a loan offer. Request property-specific underwriting and current terms.
Loan amounts depend on the specific property's value, costs, and underwriting. The $600K to $1.4M range shown here is a model illustration, not a record of funded loans or a current quote.
Programs to discuss include fix-and-flip and DSCR rental. Eligibility for bridge, construction, commercial real estate, and DSCR rental financing depends on your property and loan scenario.
Yes. Isla Vista and Goleta rentals serving UC Santa Barbara students see consistent demand, and our DSCR loans qualify on rental income rather than personal tax returns. That's ideal for investors building a student-housing portfolio.
We do. We underwrite the after-repair value and can lend up to 90% of cost plus 100% of rehab on luxury coastal projects, with terms long enough to complete permitted work and market to an affluent buyer pool.
Santa Maria and Lompoc offer workforce-priced entry and steady demand from agriculture and Vandenberg Space Force Base employment. Flips and rentals there rehab at a lower basis than the coast while still drawing reliable tenants and buyers.
Usually 5 to 10 business days. As a direct lender we fund our own loans, so from Santa Maria to Montecito we can move quickly on tight coastal inventory. Rates start at 9.99%; call (877) 300-3007.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT