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Highland sits in the San Bernardino Valley with a mix of older housing stock and distressed properties. That's exactly the environment where hard money lending thrives.
Investors targeting fix-and-flip deals or quick acquisitions need capital that moves fast. Hard money skips the 45-day bank timeline entirely.
7–14 Days
Typical Close Time
6–24 Months
Typical Loan Term
25–35%
Down Payment Required
Deal-Driven
Credit Score Focus
Varies by Deal
Rate Type
Hard money lenders care about one thing: the deal. They're looking at the property's value and your exit strategy — not your W-2.
Most lenders want 25-35% equity or down payment. Your credit score matters less here, but a score below 600 can still limit your options.
Hard money isn't offered at your local bank. It comes from private lenders and funds who specialize in short-term real estate capital.
At SRK CAPITAL, we work with 200+ wholesale lenders — including hard money sources active in San Bernardino County. We match your deal to the right lender.
Bankrate flagged rates climbing to 6.19% on conventional loans — that pressure is pushing more investors toward hard money's speed and flexibility.
The investors who close deals in Highland aren't waiting on underwriters. They use hard money to secure the property, then refinance once it's stabilized.
A DSCR loan is better for stabilized rentals with steady cash flow. Hard money fits acquisition and renovation — then you refinance into a DSCR or conventional loan.
Bridge loans overlap with hard money but often come at slightly better terms for borrowers with stronger profiles. Ask us to run both options side by side.
Highland is an Inland Empire city where investor activity has grown alongside demand from buyers priced out of LA and Orange County.
That demand supports after-repair values — which is exactly what hard money lenders use to calculate your loan amount. Strong ARV means more capital available.
Many hard money deals close in 7-14 days. Speed depends on how quickly title and property valuation come back.
Single-family, multi-family, and mixed-use properties all qualify. Lenders focus on the property's value and condition.
Not necessarily. Lenders focus on the deal — your down payment and exit strategy matter more than your credit score.
Most terms run 6-24 months. These are short-term loans — you'll refinance or sell before the term ends.
ARV stands for after-repair value — what the property is worth once renovated. Lenders base your loan amount on ARV.
Yes. Investors typically refinance into a DSCR or conventional loan once the property is stabilized or renovated.
Hard Money Loans in Highland