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Hard Money Loans in San Bernardino
What credit score do I need for a hard money loan in San Bernardino?
Most hard money lenders require 650 FICO or higher. The focus is on the property's after-repair value, not your credit history alone.
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San Bernardino attracts investors seeking renovation opportunities. The county's median household income of $82,184 reflects a market where fix-and-flip projects remain viable.
Ontario International Airport's ONT BOLD expansion signals infrastructure investment. Investors recognize long-term appreciation potential near major transportation hubs.
7-14 days
Typical Closing Timeline
650 FICO
Minimum Credit Score
20-30%
Typical Down Payment
Asset-Based
Loan Type
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Hard money lenders typically require 20% to 30% down on fix-and-flip projects. Credit scores around 650 or higher are standard.
The loan is secured by the property's after-repair value. Lenders focus on deal fundamentals—purchase price, repair costs, exit strategy.
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 investors seeking renovation opportunities. The county's median household income of $82,184 reflects a market where fix-and-flip projects remain viable.
Ontario International Airport's ONT BOLD expansion signals infrastructure investment. Investors recognize long-term appreciation potential near major transportation hubs.
Hard money lenders typically require 20% to 30% down on fix-and-flip projects. Credit scores around 650 or higher are standard.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
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Hard money lenders operate outside traditional bank channels. Funding typically closes in 7 to 14 days.
California's hard money market includes local and national lenders. Each has different property-type preferences and reserve requirements.
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Hard money loans make sense when buying below-market properties needing significant work. Speed justifies higher rates in competitive bidding situations.
They don't make sense for move-in-ready homes or refinancing rentals. Traditional loans cost less over time for long-term financing.
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Hard money closes in days; conventional loans take 17 to 21 days. Speed matters when bidding against other investors.
Conventional loans cost less but require full income documentation. Hard money lenders care about deal profit, not tax returns.
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Three Inland Empire breweries earned recognition in a regional craft beer competition. Local business growth signals consumer spending supporting rental values.
Six new coffeehouses opened across the Inland Empire recently. Investors buying rentals benefit from growing dining and lifestyle amenities.
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Figure Technology Solutions acquired Kiavi for $717 million in 2026. The deal integrates fix-and-flip and DSCR rental loan products into Figure's platform.
This consolidation reflects growing demand for alternative lending in California. Investors in San Bernardino benefit from expanded lender options and faster funding.
FAQ
Most hard money lenders require 650 FICO or higher. The focus is on the property's after-repair value, not your credit history alone.
Hard money loans typically close in 7 to 14 days. Speed is the main advantage over conventional loans, which take 17 to 21 days.
No. Hard money lenders use asset-based underwriting. They evaluate the deal's profit margin and the property's after-repair value instead.
Most lenders require 20% to 30% down on fix-and-flip projects. The exact amount depends on the property condition and your exit strategy.
No. Hard money loans are designed for investors and fix-and-flip projects. Conventional loans are better for primary residence purchases.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in San Bernardino County
Our team of licensed mortgage brokers works San Bernardino County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including San Bernardino County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
Side-by-side comparisons to help you choose the right mortgage program.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.