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Rialto sits in the heart of San Bernardino County's investor activity. Fix-and-flip deals, rentals, and warehouse conversions all move fast here.
Hard money lenders don't care about your W-2. They care about the asset. That makes them the right tool for deals that need to close in days, not months.
7–14 Days
Typical Close Time
6–24 Months
Typical Loan Term
25–35% Min
Equity Required
Asset-Based
Credit Focus
Hard money approval starts with the property. Lenders look at current value, after-repair value (ARV), and your exit strategy.
Most lenders want 25–35% equity in the deal. Strong ARV and a clear rehab plan matter more than your credit score.
Hard money lenders are not all the same. Terms, leverage limits, and draw schedules vary widely across private lenders.
We work with 200+ wholesale lenders, including hard money and private capital sources. We match your deal to the lender whose box it fits.
CNBC flagged conforming rates hitting 6.30% — that's pushing more investors toward hard money as a short-term bridge while they wait for rates to settle.
The play here isn't to hold a hard money loan. Buy, rehab, then refinance into a DSCR or conventional loan. Hard money is the entry point, not the finish line.
Bridge loans are close cousins to hard money — faster and asset-based, but often cheaper when the property is already stabilized.
DSCR loans work once you have rent income. Construction loans fund ground-up builds. Hard money fills the gap when none of those fit the timeline.
San Bernardino County has active investor demand, especially in Rialto's industrial and residential corridors. Competition on deals is real.
Hard money lets you make a cash-equivalent offer. Sellers in Rialto respond to fast closes — that's a real edge over financed buyers.
Many hard money deals close in 7–14 days. The key is having your property details and exit plan ready upfront.
Credit matters less than the deal itself. Lenders focus on property value, ARV, and your equity contribution.
Single-family, multi-family, and mixed-use properties all qualify. Some lenders also fund commercial and industrial assets.
Most terms run 6–24 months. These are short-term loans designed to bridge you to a permanent financing solution.
Yes. Many hard money programs include a rehab draw schedule. Funds are released in stages as work gets completed.
Hard money rates run higher than conventional. You're paying for speed and flexibility, not long-term financing. Rates vary by borrower profile and market conditions.
Hard Money Loans in Rialto