Santa Barbara County blends premium coastal communities, wine-country tourism, and steady year-round demand, attracting consistent investor interest in single-family, short-term rental, and small commercial product.
Fidelity Funding provides hard money and bridge financing for Santa Barbara County investors across luxury rehabs, STR acquisitions, and commercial repositioning.
Santa Barbara County fits the classic suburban California fix-and-flip profile: a $1M median, predictable comp sets, and a deep first-time-buyer pool.
Most Santa Barbara County loans we fund are standard cosmetic or cosmetic-plus-kitchens flips with predictable 4 to 6 month timelines and clean comp sets.
County median home value: $1M · Typical loan range: $600K – $1.4M · Top program: fix-and-flip and DSCR rental
Across Santa Barbara County, our typical private money loans range from $600K to $1.4M, sized against a county median of $1M. Larger commercial and multifamily scenarios are sized separately.
In Santa Barbara County, fix-and-flip and DSCR rental make up the majority of our volume. We also fund bridge, construction, commercial real estate, and DSCR rental scenarios county-wide.
Yes. Our DSCR program qualifies Santa Barbara County STRs using platform income data.
Yes. We fund high-dollar coastal rehabs throughout Santa Barbara County.
On qualifying assets in Santa Barbara County we provide commercial bridge financing for hospitality and vineyard-adjacent property.
Most Santa Barbara County hard money loans close in 5 to 10 business days.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT