Sebastopol, CA

This loan is a first deed of trust on a single-family residence in Sebastopol, CA. Located in western Sonoma County, approximately 55 miles north of San Francisco, Sebastopol is known for its scenic countryside, agricultural heritage, and distinctive small-town character. Surrounded by vineyards, orchards, and rolling hills, the community offers a blend of rural living and convenient access to the shopping, dining, and employment centers of nearby Santa Rosa. The area features established residential neighborhoods, custom homes, and larger rural properties, making it an attractive destination for residents seeking privacy and open space. The subject property, located at 8093 Mill Station Road, is a single-story, contemporary-style residence situated on approximately 1.30 acres. Originally constructed in 1949, the home contains approximately 1,953 square feet of living area and features three bedrooms, two bathrooms, and a detached two-car garage. Interior amenities include hardwood flooring, recessed lighting, a fireplace, and a tankless water heater. The property has undergone several updates, including newer interior and exterior paint and a newer roof. Additional features include a patio, wood deck, porch, and separate studio. The property was appraised at an "as-is" market value of $1,210,000 as of June 28, 2026. The Borrower purchased the property with cash at a foreclosure auction in 2025 and currently owns it free and clear of any liens. Since acquisition, the Borrower has completed maintenance and improvements, with plans for additional upgrades and future short-term rental use. The purpose of the loan is to provide cash out to recoup a portion of the Borrower's initial investment, fund additional property improvements, and assist with the acquisition of another investment property. The Borrower intends to refinance through a conventional or DSCR lender and continue holding the property as an investment. The Borrower is a self-employed music composer and producer with over 13 years of industry experience and additional real estate holdings valued at approximately $3.55 million. The loan will have a maturity of 24 months.