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Rialto sits in San Bernardino County's Inland Empire — a region investors have targeted hard for rentals and flips.
Warehouse demand, population growth, and relative affordability make Rialto a strong cash-flow market for buy-and-hold strategies.
620–680+
Min Credit Score
20–25%
Min Down Payment
Not required (DSCR)
Income Docs
21–30 days
Typical Close Time
Above 6.27% market
Rate Benchmark
Investor loans are non-QM — lenders qualify you on the deal, not your tax returns.
DSCR loans use the property's rent income to qualify. Most lenders want a DSCR ratio of 1.0 or higher.
Expect a minimum 620-660 credit score. Most competitive programs start at 680.
Retail banks rarely touch investor loans with competitive terms. Wholesale lenders built for non-QM are where the real options live.
Bankrate's latest survey shows mortgage rates at 6.27% — investor loan rates run higher than that. Shopping across lenders matters more here than on any conventional deal.
We work with 200+ wholesale lenders. On investor loans, that access directly affects your rate and cash flow.
The biggest mistake investors make: assuming one lender's 'no' is the final answer.
DSCR programs vary wildly by lender. One lender might require 1.25 DSCR. Another approves at 1.0. Same property, different outcome.
Short-term rentals like Airbnb are now accepted by select lenders — but underwriting rules differ. Know before you submit.
DSCR loans work best for stabilized rentals with clear income. Hard money is faster but expensive — rates often 10-12%+.
Bridge loans fit value-add plays where the property isn't rent-ready yet. Interest-only options help maximize early cash flow.
The right product depends on your exit strategy. We match the loan to the deal — not the other way around.
San Bernardino County has no local transfer tax on top of state requirements — that's a cost advantage over some neighboring counties.
Rialto's proximity to major logistics corridors keeps tenant demand steady. That supports the rent projections lenders use to underwrite DSCR deals.
Flood zone and fire hazard designations affect insurance costs. High insurance can drag your DSCR below approval thresholds.
Not on DSCR loans. The property's rent income does the qualifying work. Your tax returns stay out of it.
Most programs require 20-25% down. Some lenders go to 15% with stronger credit and DSCR.
Yes. Most DSCR lenders use an appraisal-based market rent analysis. The unit doesn't need a tenant in place.
Select lenders accept short-term rental income. Rialto's zoning rules still apply — confirm STR is permitted before closing.
DSCR loans typically close in 21-30 days. Hard money can close in 7-14 days when speed is critical.
Most programs start at 620. Better rates kick in at 680+. Rates vary by borrower profile and market conditions.
Investor Loans in Rialto