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San Bernardino attracts real estate investors who want value plays. Prices run lower than coastal markets, which makes fix-and-flip math easier to pencil out.
Hard money fills a specific gap here. Conventional lenders won't touch distressed properties — hard money lenders will, as long as the asset supports it.
6 – 24 Months
Typical Loan Term
25% – 35%
Down Payment
Asset-Based
Credit Focus
5 – 10 Business Days
Close Timeline
Higher, Short-Term
Rate Type
Hard Money Loans in San Bernardino
Hard money lenders care about the property first. Your credit score matters less than the deal's after-repair value, known as ARV.
Most lenders want to see 25-35% skin in the game. Strong deals can sometimes get funded with less — but the asset has to justify it.
Local decision guide
Use this guide to connect hard money loans eligibility, lender expectations, and local market factors before comparing payment options in San Bernardino.
San Bernardino attracts real estate investors who want value plays. Prices run lower than coastal markets, which makes fix-and-flip math easier to pencil out.
Hard money fills a specific gap here. Conventional lenders won't touch distressed properties — hard money lenders will, as long as the asset supports it.
Hard money lenders care about the property first. Your credit score matters less than the deal's after-repair value, known as ARV.
Hard money is a fragmented market. Rates and terms swing wildly from one lender to the next — shopping matters more here than on any conventional loan.
We work with 200+ wholesale lenders, including hard money specialists who know the Inland Empire. One call gets you multiple term sheets fast.
The biggest mistake investors make is waiting. Hard money closes in days, not weeks. If you're negotiating a distressed deal, speed is your edge.
Know your exit strategy before you close. Hard money is short-term — typically 6 to 24 months. Lenders want to know how you're paying them back.
Bridge loans and hard money are cousins. Bridge loans typically carry slightly better rates but require more equity and a cleaner asset.
DSCR loans are the long-term play. Once your renovation is done and the property cash flows, refinancing into a DSCR loan cuts your rate significantly. Rates vary by borrower profile and market conditions.
San Bernardino has a large supply of older housing stock. Many properties need significant rehab — exactly the deal type hard money is built for.
Investor activity in San Bernardino County is steady. That means exit strategies hold up — you can sell or rent a renovated property without sitting on it long.
Most hard money loans close in 5-10 business days. Speed depends on how quickly you deliver the property details and scope of work.
Fix-and-flips, distressed single-family homes, and small multifamily deals are most common. Lenders focus on the asset's value, not its current condition.
Credit still gets reviewed, but it rarely kills a deal. A strong ARV and clear exit strategy carry far more weight with hard money lenders.
ARV stands for after-repair value — what the property is worth once renovated. Lenders base your loan amount on a percentage of that number.
Yes, and that's the most common exit strategy for rentals. Once the property is stabilized and renting, a DSCR loan replaces the hard money at a lower rate.
Expect higher rates and origination points than conventional loans. Rates vary by borrower profile and market conditions — get multiple quotes before committing.