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Ontario sits in the Inland Empire, one of California's most active investor markets. Fix-and-flip activity, warehouse conversions, and rental acquisitions all move fast here.
Hard money fills a specific gap. When a deal needs to close in days — not 30 to 45 — conventional financing simply can't keep up.
5–10 Business Days
Typical Close Time
6–24 Months
Loan Term
25–35% Typical
Down Payment
Asset-Based
Credit Focus
Interest-Only
Payment Structure
Hard money lenders care about the property, not your W-2. The loan is secured by the asset. Your credit score matters less than the deal's numbers.
Most lenders want 25–35% equity or down payment. They'll also want a clear exit strategy — refinance, sale, or payoff. No exit plan, no deal.
Hard money lenders are not banks. They're private funds and individual capital sources. Terms vary dramatically from one lender to the next.
At SRK CAPITAL, we work with 200+ wholesale lenders — including hard money sources that specialize in San Bernardino County deals. We know who moves fast and who stalls.
The deals that go sideways on hard money usually fail at the exit. Borrowers get the property, start rehab, then realize they can't refinance out. Plan the exit before you sign.
Interest rates on hard money are high by design. This is short-term bridge capital. Hold it 6–18 months max and move on. Treat it like construction financing, not a mortgage.
DSCR loans are better for stabilized rentals. Hard money wins when the property needs work or needs to close fast. Different tools for different stages of a deal.
Bridge loans overlap with hard money but often have stricter underwriting. If your credit or income is thin, hard money is usually the faster path.
Ontario and the broader Inland Empire have seen consistent investor demand driven by logistics, industrial growth, and housing supply pressure. Competitive deals move in hours.
San Bernardino County has no shortage of distressed and off-market properties. Hard money is the tool most investors here use to lock deals before anyone else can act.
Many hard money loans close in 5–10 business days. Some lenders can move faster with a clean title and clear deal structure.
Most lenders fund single-family, multi-family, and commercial properties. Land and raw lots are harder to finance and often require specialized lenders.
Credit is reviewed but rarely the deciding factor. Lenders focus on the property value and your exit plan first.
Expect 6–24 month terms, interest-only payments, and rates well above conventional. Rates vary by borrower profile and market conditions.
Yes. Many hard money lenders fund both purchase and rehab costs. Draw schedules release rehab funds in stages as work is completed.
After rehab, most investors refinance into a DSCR or conventional loan. Your exit needs to be mapped out before you take the hard money.
Hard Money Loans in Ontario