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Chino Hills sits in the western edge of San Bernardino County. Fix-and-flip investors and landlords have been active here for years.
Hard money fills a gap conventional lenders won't touch. Speed and asset value matter more than your tax returns.
7–14 Days
Typical Close Time
No Hard Minimum
Credit Score Required
25–35%
Typical Down Payment
6–24 Months
Loan Term
Usually None
Income Docs Needed
Hard money lenders care about the deal, not your W-2. They underwrite based on the property's current and after-repair value.
Most lenders want 25–35% equity or down payment. Credit scores matter less, but severe recent delinquencies can still kill a deal.
Hard money is private capital. Banks don't offer it. You're working with funds, family offices, or individual investors.
Rates run higher than conventional — that's the tradeoff for speed and flexibility. Bankrate's latest survey shows conforming rates already at 6.27%, and hard money sits well above that. Rates vary by borrower profile and market conditions.
The biggest mistake investors make is shopping rate on hard money. You should be shopping execution — who actually funds on time.
We work with 200+ wholesale lenders, including hard money funds active in San Bernardino County. Getting three term sheets on your deal takes one call.
DSCR loans are better for stabilized rentals — they're cheaper and longer term. Hard money is for deals that need to move fast or need rehab.
Bridge loans are a close cousin. They overlap with hard money but sometimes offer lower rates for cleaner properties. We'll tell you which fits your deal.
Chino Hills is a hillside market with HOA communities and single-family product. Not every hard money lender will lend on HOA properties — ask first.
San Bernardino County has strong investor activity. Lenders here know the market, which helps when you're negotiating draw schedules on a rehab.
Many deals close in 7–14 days. It depends on title and how quickly you deliver the purchase contract and property details.
No minimum score is standard. Lenders care about the property and your equity position more than your credit file.
Yes — fix-and-flip is the most common use case. The lender funds purchase and may release rehab funds in draws.
You sell, refinance into a DSCR or conventional loan, or extend if your lender allows it. Plan your exit before you close.
No. Hard money lenders lend on distressed properties. The ARV — what it's worth after repairs — is what they underwrite.
Hard Money Loans in Chino Hills