Santa Rosa is the Sonoma County seat and the largest city in the North Bay, stretching from historic Railroad Square and the McDonald Avenue mansions to the hillside neighborhoods of Fountaingrove and Bennett Valley. We help Santa Rosa buyers and homeowners with purchase loans, jumbo financing, refinances, reverse mortgages and equity lines. Successful flippers in Santa Rosa need capital that moves as fast as the deals do. Pacific National Lending arranges fix and flip loans that can close in as little as 10 to 14 days, fund rehab draws as work is completed, and do not require tax returns or W-2 income on most programs.
Call Pacific National Lending for fix and flip loans in Santa Rosa: (916) 526-2700
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Santa Rosa is the North Bay's broadest market, with first-time buyers using FHA and conventional loans in the west and southwest, move-up families in Rincon Valley and Bennett Valley, and jumbo buyers in Fountaingrove and Skyhawk. After the 2017 fires many neighborhoods were rebuilt with brand-new homes, and wildfire insurance availability is now a standard part of qualifying on the city's eastern edge. Qualifying for a fix and flip loan in Santa Rosa focuses on the deal and the borrower's experience rather than personal income: the purchase price, the scope and budget of the renovation, the projected resale value and the investor's track record. First-time flippers can qualify, usually with slightly lower leverage.
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Housing includes Victorians and bungalows near downtown and the Junior College, 1950s to 80s neighborhoods in Rincon Valley and Bennett Valley, rebuilt homes in Coffey Park and Fountaingrove, the Oakmont 55-plus community, and newer subdivisions in the southwest. Speed and certainty matter in Santa Rosa investor deals, and we have relationships with lenders that fund reliably. A financing contingency backed by a lender who actually closes lets you compete with cash buyers.
To get a term sheet for a fix and flip project in Santa Rosa, call (916) 526-2700 or send the property details through our application. Most quotes come back the same business day.
We help borrowers with fix and flip loans throughout Santa Rosa, including Railroad Square, McDonald Avenue, Junior College, Bennett Valley, and across Sonoma County. Santa Rosa is roughly two hours from our Gold River office, and we handle Sonoma County loans entirely by phone, email and e-signature.
For fix and flip loans in Santa Rosa, call Pacific National Lending at (916) 526-2700 or use the secure application on this page. A licensed loan officer will follow up within one business day.
Apply HereLearn more about the program itself: Fix and Flip Loans · All loan options · Purchase · Refinance · Today's rates
Area photo: "1020 McDonald Avenue, Santa Rosa" by Frank Schulenburg, CC BY-SA 3.0.
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