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Montclair sits in the western end of San Bernardino County — close enough to LA to attract investors and high earners watching their cash flow.
Interest-only loans fit buyers who want lower payments now and expect income growth or a sale before principal kicks in.
700+
Typical Min Credit Score
5–10 Years
Interest-Only Period
Non-QM
Loan Category
None
Equity Built During IO
Varies by Lender
Rate Type
Interest-Only Loans in Montclair
These are non-QM loans. Lenders set their own rules, but most want a 700+ credit score and strong reserves.
Expect to show 12-24 months of bank statements or full income documentation. Debt-to-income limits are tighter than conventional.
Local decision guide
Use this guide to connect interest-only loans eligibility, lender expectations, and local market factors before comparing payment options in Montclair.
Montclair sits in the western end of San Bernardino County — close enough to LA to attract investors and high earners watching their cash flow.
Interest-only loans fit buyers who want lower payments now and expect income growth or a sale before principal kicks in.
These are non-QM loans. Lenders set their own rules, but most want a 700+ credit score and strong reserves.
Your local bank won't touch this product. Interest-only loans live in the wholesale and non-QM space.
SRK CAPITAL works with 200+ wholesale lenders. We find the ones actually funding these deals in San Bernardino County right now.
I see two types of borrowers using interest-only in Montclair: investors managing cash flow and W-2 earners with variable bonuses.
The trap is treating lower payments as free money. You're not building equity during the IO period. Have an exit plan.
An ARM (adjustable-rate mortgage) also gives you lower early payments — but you're still paying down principal.
DSCR loans are the cleaner pick for rental investors. Interest-only works better when you need personal cash flow flexibility.
Montclair's proximity to the 10 freeway makes it a real target for Inland Empire investors eyeing rental properties.
As of April 2026, non-QM volume is active across San Bernardino County. Rates vary by borrower profile and market conditions.
Most lenders want 700 or higher. Some non-QM lenders go lower, but expect a higher rate.
Typically 5 to 10 years. After that, your payment jumps as you start repaying principal.
Yes. Many investors use IO loans to maximize early cash flow. A DSCR loan may also be worth comparing.
Not during the IO period. Equity only builds if the property appreciates or you make extra principal payments.
Yes. These are non-QM products with stricter reserves and documentation requirements than conventional loans.
Yes. We work with 200+ wholesale lenders and actively place non-QM deals throughout the Inland Empire.