Loading
Loading
Loma Linda sits in the heart of San Bernardino County — a market that draws investors for its proximity to major hospitals and a steady renter base.
Single-family rentals and small multifamily deals move here. Investors who act on data, not guesswork, find real opportunity in this submarket.
640+
Min Credit Score
20-25%
Down Payment
None (DSCR)
Income Docs Required
Days
Hard Money Close
2-4 Weeks
DSCR Close Time
Investor Loans in Loma Linda
Investor loans are non-QM products. Lenders skip W-2s and tax returns. They underwrite the deal, not your personal income.
Most DSCR programs want a 640+ credit score and 20-25% down. The property's rent-to-debt ratio is what gets you approved or denied.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in Loma Linda.
Loma Linda sits in the heart of San Bernardino County — a market that draws investors for its proximity to major hospitals and a steady renter base.
Single-family rentals and small multifamily deals move here. Investors who act on data, not guesswork, find real opportunity in this submarket.
Investor loans are non-QM products. Lenders skip W-2s and tax returns. They underwrite the deal, not your personal income.
Big retail banks rarely touch investor loans well. Wholesale lenders built for non-QM are where real pricing lives.
SRK CAPITAL works with 200+ wholesale lenders. That means we shop DSCR, bridge, and hard money programs side by side to find your best fit.
The most common mistake investors make in Loma Linda? They underestimate vacancy. A tight DSCR at full occupancy can break fast with one empty unit.
Run your numbers at 90% occupancy before you commit. Lenders approve at 100% — the market won't give you that cushion long-term.
Conventional investment loans cap at 10 financed properties and require full income docs. DSCR loans have no such limits.
Hard money moves fastest — closings in days, not weeks. DSCR is better for hold strategies. Bridge loans connect the gap when you're transitioning assets.
Loma Linda's economy anchors around its university and medical campus. That creates consistent demand from traveling nurses and medical staff.
Short-term rentals are worth evaluating here, but check San Bernardino County STR ordinances first. Mid-term rentals to medical workers often pencil better anyway.
No. DSCR loans qualify on the property's rental income, not yours. No tax returns or pay stubs required.
Most DSCR programs start at 640. Better scores get better rates. Rates vary by borrower profile and market conditions.
No. Fix-and-flip projects need hard money or bridge financing. DSCR is built for stabilized, income-producing rentals.
Plan on 20-25% down for most investor loan programs. Some hard money lenders go higher, depending on the deal.
Hard money can close in days. DSCR loans typically take 2-4 weeks. Bridge loans vary by deal complexity.
SRK CAPITAL shops DSCR, hard money, bridge, and interest-only programs across 200+ wholesale lenders to match your strategy.