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Highland sits in San Bernardino County, where rental demand stays strong and price points attract serious investors.
The Inland Empire's rent-to-price ratios often pencil better than coastal markets. That matters when you're underwriting cash flow.
640+
Min Credit Score
20–25%
Down Payment
None (DSCR)
Income Docs Required
2–4 Weeks
Typical Close Time
Non-QM
Loan Type
Investor Loans in Highland
Investor loans are non-QM products. Lenders don't rely on your W-2 or tax returns to approve you.
Most DSCR lenders want a 640+ credit score and 20-25% down. The property's rent income does the heavy lifting on qualification.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Highland.
Highland sits in San Bernardino County, where rental demand stays strong and price points attract serious investors.
The Inland Empire's rent-to-price ratios often pencil better than coastal markets. That matters when you're underwriting cash flow.
Investor loans are non-QM products. Lenders don't rely on your W-2 or tax returns to approve you.
Retail banks rarely touch investor loans with flexibility. Wholesale lenders built for non-QM are where the real options live.
We work with 200+ wholesale lenders. That means we can match your deal — DSCR, fix-and-flip, bridge — to lenders who actually close them.
The most common mistake I see: investors run straight to hard money when a DSCR loan would cost them less.
Hard money makes sense for short timelines. If you're holding the property 12+ months, DSCR rates are significantly lower. Know which tool fits the job.
DSCR loans work best for stabilized rentals. Bridge loans cover the gap between purchase and permanent financing.
Fix-and-flip buyers need short-term capital fast. Hard money closes quickly but carries higher rates. Interest-only loans can preserve cash flow during rehab.
Highland borders San Bernardino and sits near major employment corridors. Rental properties here can attract commuters and essential workers.
San Bernardino County has no local transfer tax, which helps your acquisition costs stay lean. That's a real advantage when you're scaling a portfolio.
Yes, on a DSCR loan. The property's rental income qualifies the deal, not your tax returns.
Most non-QM lenders want 640 or higher. Better scores get better rates. Rates vary by borrower profile and market conditions.
Plan for 20-25% down on most investor loans. Some fix-and-flip products have different structures based on ARV.
DSCR loans typically close in 2-4 weeks. Hard money can close faster, sometimes under 10 business days.
Some lenders allow it using projected STR income. Not every lender does — we know which ones accept that approach.
The Inland Empire has active rehab activity. Price points in Highland can leave room for profit when you buy right.