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Rancho Cucamonga sits in one of the most active investor corridors in the Inland Empire. Fix-and-flip activity, rental acquisitions, and value-add deals all run through this market.
Hard money fills a specific gap here. When a deal needs to close in days — not weeks — conventional financing simply can't compete.
7-14 Days
Typical Close Time
60-70% LTV
Max Loan-to-Value
Asset-Based
Credit Focus
6-24 Months
Loan Term
Not Required
Income Docs
Hard Money Loans in Rancho Cucamonga
Hard money lenders underwrite the asset, not the borrower. Your credit score matters far less than the property's value and your exit strategy.
Most lenders want to see 30-40% equity in the deal. That means either a large down payment or a purchase price well below market value.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Rancho Cucamonga.
Rancho Cucamonga sits in one of the most active investor corridors in the Inland Empire. Fix-and-flip activity, rental acquisitions, and value-add deals all run through this market.
Hard money fills a specific gap here. When a deal needs to close in days — not weeks — conventional financing simply can't compete.
Hard money lenders underwrite the asset, not the borrower. Your credit score matters far less than the property's value and your exit strategy.
Hard money is a fragmented market. Rates, fees, and terms swing wildly between lenders. One lender charges 10% with 2 points. Another charges 13% with 4.
At SRK CAPITAL, we work with 200+ wholesale lenders — including hard money and private money sources active in San Bernardino County. We shop that full network for you.
The deals that fall apart aren't usually the ones with bad credit. They're the ones with a weak exit strategy or inflated ARV estimates.
Know your after-repair value before you call anyone. Lenders will order their own appraisal — but you need to walk in with realistic numbers.
Hard money is faster and more flexible than conventional loans. But it's also significantly more expensive. Rates vary by borrower profile and market conditions.
If you're holding a rental long-term, a DSCR loan is a cheaper fit. Hard money is for acquisitions and flips where speed wins the deal.
Rancho Cucamonga has older housing stock that attracts active renovators. That creates steady demand for short-term acquisition and rehab financing.
San Bernardino County property taxes and permit timelines affect your hold period. Build those costs into your deal before you lock a hard money rate.
Most hard money lenders can close in 7-14 days. Have your property details and exit strategy ready to move that fast.
Credit is not the primary factor. Lenders focus on the property value and your equity position in the deal.
Most lenders cap at 60-70% LTV. Higher leverage is rare and usually comes with significantly higher rates.
Yes. Many hard money lenders offer rehab draws built into the loan. You fund repairs in stages as work is completed.
Terms typically run 6 to 24 months. These are short-term loans — you refinance or sell before the term ends.
SRK CAPITAL shops your deal across 200+ lenders, including private and hard money sources active in San Bernardino County.