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Hard Money Loans in Chino Hills
What credit score do I need for a hard money loan?
A minimum 660 representative credit score for an investment property. Hard money lenders also weigh the property's value and your exit plan heavily.
01
Chino Hills sits in the heart of San Bernardino County, where homes are selling at $1,049,500 median price. The market is stable with 186 active listings and homes spending 44 days on market.
Hard money loans close in 14 to 21 days, making them the fastest path to fund a rehab project. Speed matters when you're competing for deals in a market this active.
$1,049,500
Median home price
660
Minimum credit score
75%
Max LTV ratio
14-21 days
SRK CAPITAL closing window
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Hard money underwriting emphasizes the property's value and your exit plan over W-2 income. For an investment property, lenders still set a minimum 660 representative credit score and a maximum 75 percent loan-to-value ratio.
Loans range from $100,000 to $5,000,000 for up to 4 units. Reserve requirements depend on your LTV: 6 months if you're at or below 65 percent LTV, or 12 months above that threshold.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Chino Hills.
Chino Hills sits in the heart of San Bernardino County, where homes are selling at $1,049,500 median price. The market is stable with 186 active listings and homes spending 44 days on market.
Hard money loans close in 14 to 21 days, making them the fastest path to fund a rehab project. Speed matters when you're competing for deals in a market this active.
Hard money underwriting emphasizes the property's value and your exit plan over W-2 income. For an investment property, lenders still set a minimum 660 representative credit score and a maximum 75 percent loan-to-value ratio.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
03
Hard money lenders focus on the property's value and your exit strategy, not traditional employment history. They underwrite based on the after-repair value and your ability to execute the rehab.
SRK CAPITAL shops hard money loans across its wholesale lender network to find the best terms for your deal. Closing in 14 to 21 days means you can move fast when the right property appears.
04
Hard money makes sense for fix-and-flip investors in Chino Hills because the market moves quickly and traditional lenders can't keep pace. With 44-day average time on market and $1,049,500 median price, you need capital deployed fast.
If you're buying to hold as a rental, conventional financing at the conforming limit of $832,750 usually costs less over time. Hard money is a short-term tool for the rehab phase, not a long-term mortgage.
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Hard money closes in 14 to 21 days with asset-based underwriting. Conventional loans take longer to approve but carry lower rates and points over a 30-year term.
Hard money works when you're buying, rehabbing and selling. Conventional financing works when you're buying to keep. Pick the tool that matches your exit.
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The Inland Empire dining scene is expanding. Three local breweries just won recognition at the San Diego County Fair, and six new coffeehouses have opened across the region.
Ontario International Airport's ONT BOLD expansion project is underway, bringing infrastructure investment to the region. Investors watch long-term projects like this as a potential factor in local market conditions.
FAQ
A minimum 660 representative credit score for an investment property. Hard money lenders also weigh the property's value and your exit plan heavily.
Loans range from $100,000 to $5,000,000 for up to 4 units. The exact amount depends on the property's after-repair value and your loan-to-value ratio.
SRK CAPITAL closes hard money loans in 14 to 21 days. Speed is the main advantage over traditional financing.
Six months of reserves if your loan-to-value is at or below 65 percent. Twelve months of reserves if your LTV is above 65 percent.
Hard money closes fast and doesn't require traditional income documentation, making it ideal for flips. Conventional financing costs less over time but takes longer to approve and is built for long-term holds.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in San Bernardino County
Our team of licensed mortgage brokers works San Bernardino County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including San Bernardino County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
Side-by-side comparisons to help you choose the right mortgage program.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.