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Fontana sits in one of California's most active rental markets. The Inland Empire draws investors priced out of LA and Orange County.
Single-family rentals, small multifamily, and fix-and-flip all work here. The deal flow is real, and financing needs to move fast.
620 (most programs)
Min Credit Score
20–25%
Typical Down Payment
Allowed on Non-QM
LLC Vesting
5–10 days
Hard Money Close
2–3 weeks
DSCR Close
Investor Loans in Fontana
Most investor loans are Non-QM. Your tax returns don't drive the decision. The property's income potential does.
DSCR loans look at rent versus debt. If the property cash-flows, you can qualify — even with complex income.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Fontana.
Fontana sits in one of California's most active rental markets. The Inland Empire draws investors priced out of LA and Orange County.
Single-family rentals, small multifamily, and fix-and-flip all work here. The deal flow is real, and financing needs to move fast.
Most investor loans are Non-QM. Your tax returns don't drive the decision. The property's income potential does.
Retail banks rarely have strong investor loan programs. Most cap out at 10 financed properties and move slowly.
SRK CAPITAL shops 200+ wholesale lenders. We find programs built specifically for investors — not watered-down consumer products.
The biggest mistake investors make is shopping rates before structuring the deal. Loan structure determines how fast you close.
Hard money closes in days. DSCR closes in weeks. Knowing which tool to use saves deals. Rates vary by borrower profile and market conditions.
Conventional investor loans cap at 10 properties and require full income docs. DSCR loans have none of those limits.
Bridge loans cover the gap between purchase and stabilization. Interest-only options improve monthly cash flow on buy-and-hold deals.
Fontana has strong renter demand tied to logistics and warehouse employment. That makes DSCR qualification easier here.
San Bernardino County property taxes are manageable. Factor them into your DSCR calculation before you run the numbers.
Yes. Most Non-QM and DSCR lenders allow LLC vesting. Conventional loans do not — that's a key difference to know upfront.
DSCR and portfolio lenders often have no cap. Conventional Fannie Mae loans limit you to 10 financed properties.
Not on DSCR loans. Lenders use a market rent analysis on the subject property. Existing leases help but aren't required.
Most programs want 620 or higher. Better rates start around 700+. Some hard money programs go lower with more equity down.
Hard money can close in 5–10 days. DSCR loans typically take 2–3 weeks. Have your entity docs and property details ready early.
The Inland Empire has strong resale activity and lower entry prices than coastal markets. Hard money and bridge loans are the standard tools here.