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Investor Loans in San Bernardino
What down payment do I need for an investor loan in San Bernardino?
A minimum 15 percent down payment is required for an investment property. On a $505,000 purchase, that's $75,750 down.
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San Bernardino's median home price is $505,000. Homes average 49 days on market with 467 active listings.
Ontario International Airport's ONT BOLD expansion is reshaping regional infrastructure. That signals long-term appreciation potential for rental properties.
620
Minimum credit score
85%
Maximum LTV
15%
Minimum down payment
$505,000
Median home price
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Investor loans require a minimum 620 representative credit score for an investment property. The maximum loan-to-value ratio is 85 percent for an investment property.
San Bernardino County's median household income is $82,184. Investor loans rely on rental income and reserves, not just W-2 earnings.
Local decision guide
Use this guide to connect investor loans eligibility, lender expectations, and local market factors before comparing payment options in San Bernardino.
San Bernardino's median home price is $505,000. Homes average 49 days on market with 467 active listings.
Ontario International Airport's ONT BOLD expansion is reshaping regional infrastructure. That signals long-term appreciation potential for rental properties.
Investor loans require a minimum 620 representative credit score for an investment property. The maximum loan-to-value ratio is 85 percent for an investment property.
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.
03
Non-QM lenders and portfolio banks dominate investor lending in California. HousingWire noted that non-QM lending hit about $239 billion in 2025.
SRK CAPITAL shops investor loans across its wholesale lender network. Underwriting runs 17 to 21 days, or 10 days when expedited.
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Investor loans make sense when you're buying a rental that cash-flows above debt service. At $505,000 median price and 85 percent LTV, positive cash flow protects both you and the lender.
When the property doesn't cash-flow or reserves are thin, owner-occupied financing is cheaper. Investor loans are built for landlords with strong rental income and liquid reserves.
05
Investor loans carry higher rates and larger down payments than owner-occupied mortgages. A primary residence loan lets you put 3 to 5 percent down instead.
DSCR loans key entirely on the property's rental income, not your personal income. Both require reserves and both run longer than owner-occupied deals.
06
The Inland Empire's craft beer and coffee scene is expanding. Claremont Craft Ales, Hangar 24, and six new coffeehouses have opened recently.
Ontario International Airport's ONT BOLD expansion is a major infrastructure play. Regional airport growth typically lifts property values and rental demand.
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Non-QM lending reached $239 billion in 2025, with DSCR and bank statement loans leading. San Bernardino investors benefit from a mature, competitive non-QM landscape.
SRK CAPITAL's wholesale lender network includes dozens of investor-loan specialists. That competition drives better pricing and faster underwriting.
FAQ
A minimum 15 percent down payment is required for an investment property. On a $505,000 purchase, that's $75,750 down.
Yes. Non-QM lenders accept bank statements, especially on DSCR loans. Your lender will verify deposits and cash flow from statements.
No. Investor loans typically take 17 to 21 days to close. When a file is expedited, SRK CAPITAL can close in 10 days.
A minimum 620 representative credit score is required for an investment property. Lenders also review rental cash flow and reserves as part of the file.
Reserve requirements vary by lender and loan size. Your lender will review liquidity and rental cash flow during underwriting.
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.
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.