Santa Rosa Hard Money and Investor Loans

Yes. We fund investors across Sonoma County, including Santa Rosa, Petaluma, Rohnert Park, Windsor, Healdsburg, Sonoma, Sebastopol, and Cotati. We lend in most states with our own capital. We are headquartered in Bee Cave, Texas, and every loan is business-purpose only, on investment property, and terms are subject to underwriting. Apply now.

The county goes further than the city, which is the reverse of the usual pattern. Santa Rosa has no local rent or just-cause ordinance of its own: a 2016 rent stabilization measure was repealed by voters at referendum in 2017, so the statewide Tenant Protection Act is the only floor inside city limits. Unincorporated Sonoma County adopted its own Residential Tenancy Protections Ordinance in September 2024, which starts just-cause protection on day one of occupancy, lets a tenant raise a nonpayment defense up to two times a year before a default becomes at-fault cause, and sets relocation pay on a no-fault move at the greater of actual rent or HUD Fair Market Rent. The ordinance removed only the affordable-housing exemption from the state law, not the single-family exemption. Talk to your attorney about the rules for your specific parcel. See the DSCR program. Subject to underwriting.

Because two of the eight cities we serve stack a second transfer tax and six do not. Sonoma County charges $0.55 per $500 of price ($1.10 per $1,000) on every transfer. Santa Rosa and Petaluma each add their own $2.00 per $1,000 city tax on top, with no exemption for assumed loans on that city portion. On an $815,000 Santa Rosa exit that is roughly $2,527 total against about $897 in a city like Healdsburg or Windsor that levies no city tax at all (815,000 x 0.0031 versus 815,000 x 0.0011, county rate only). Property tax rates vary by city too: the most common total ad valorem rate ranges from about 1.12% in the City of Sonoma to about 1.19% in Cloverdale. Talk to your CPA about the numbers on your specific parcel. See portfolio loans. Subject to underwriting.

No, and the exception is worth knowing. Sonoma County's population fell from 484,764 to 484,022 between January 2025 and January 2026, a 0.15% decline, and the unincorporated area and most of the county's cities lost residents over that period. Santa Rosa was the one jurisdiction with meaningful growth, from 178,786 to 179,798, up 0.57%. This is a high-basis, constrained-supply market, where the case for lending rests on entitlement, insurability, and repositioning existing stock rather than on population growth. See the fix and flip program. Subject to underwriting.

Because the biggest risk to your deal here shows up in the insurance quote, not the appraisal, and that changes fast. This county burned three times in four years, the Tubbs, Kincade, and Glass fires, and Cal Fire's 2025 hazard-zone remap raised the very high hazard acreage in the unincorporated county while cutting it inside Santa Rosa city limits. A file that stalls in a correspondent queue can miss a quote that changes underneath it. We fund with our own capital and underwrite the deal ourselves, so a Sonoma County file gets a decision from the people who actually looked at it. See the CRE bridge program. Subject to underwriting.