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Redlands attracts fix-and-flip investors drawn to its older Craftsman and Victorian housing stock. These properties need work — and hard money moves fast enough to win them.
San Bernardino County has seen steady investor activity east of the 10 freeway. Redlands sits in a sweet spot: close to logistics jobs, universities, and Inland Empire demand.
7–14 Days
Typical Close Time
Up to 75%
Max LTV (ARV)
6–24 Months
Loan Term
Asset-Based
Credit Focus
200+ Wholesale
Lender Network
Hard Money Loans in Redlands
Hard money lenders care about the asset, not your tax returns. The property's value — current and after-repair — drives approval more than your credit score or income history.
Most lenders want 25-35% equity or down payment. Your exit strategy matters too. Lenders want to know if you're refinancing out or selling after the flip.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in Redlands.
Redlands attracts fix-and-flip investors drawn to its older Craftsman and Victorian housing stock. These properties need work — and hard money moves fast enough to win them.
San Bernardino County has seen steady investor activity east of the 10 freeway. Redlands sits in a sweet spot: close to logistics jobs, universities, and Inland Empire demand.
Hard money lenders care about the asset, not your tax returns. The property's value — current and after-repair — drives approval more than your credit score or income history.
Hard money is a fragmented market. Rates and terms vary wildly between lenders. One lender might charge 10% with 2 points. Another charges 12% with no points.
SRK CAPITAL works with 200+ wholesale lenders, including hard money shops that specialize in San Bernardino County deals. We know which ones close fast and which ones don't.
The biggest mistake investors make is calling one hard money lender and accepting their terms. There's no standard rate sheet. You have negotiating room if you know where to look.
In Redlands, after-repair value is everything. Get your ARV estimate locked down before you apply. A weak comp package will kill your loan before underwriting even starts.
Hard money costs more than conventional financing. Expect rates well above conventional loans. Rates vary by borrower profile and market conditions.
The tradeoff is speed and flexibility. Hard money closes in days. Conventional loans take 30-45 days. For auction buys or distressed deals in Redlands, that speed wins contracts.
Redlands has a historic downtown and a mix of pre-1970 homes needing updates. That's exactly the inventory hard money is built for.
Proximity to Loma Linda University Medical Center and San Bernardino International Airport adds rental demand. Investors here can flip or hold — hard money gives you time to decide.
Most hard money loans close in 7-14 days. Speed depends on the lender and how quickly your property appraisal and title work are completed.
Credit is reviewed but rarely the deciding factor. Lenders focus on the property's value and your down payment or equity position.
Most lenders go up to 65-75% of ARV on fix-and-flip deals. The stronger your comps and rehab plan, the better your LTV offer.
Yes, but hard money is short-term. Most investors use it to acquire and stabilize, then refinance into a DSCR loan for long-term hold.
Terms usually run 6-24 months. They are interest-only in most cases, with a balloon payment due at the end of the term.
SRK CAPITAL shops your deal across 200+ lenders, including hard money specialists. You get competing terms instead of one lender's take-it-or-leave-it offer.