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San Bernardino's rental market continues to attract investors seeking cash-flow opportunities. The county's median household income of $82,184 reflects a market where rental yields remain competitive for buy-and-hold strategies.
No-ratio financing is gaining traction for investors when current rents don't support standard DSCR qualification thresholds. This flexibility opens doors for properties with strong appreciation potential but modest near-term cash flow.
680
Minimum FICO
20–25%
Typical down payment
1.0–1.25
DSCR requirement
30–45 days
Closing timeline
Investor Loans in San Bernardino
Investor loans in San Bernardino typically require 680+ FICO, though some lenders accept 660+ with compensating factors. Down payments range from 20% to 25% depending on property type and occupancy status.
Debt-service coverage ratio (DSCR) is the primary qualification metric. Most lenders require 1.0 to 1.25 DSCR based on the property's rental income. No-ratio programs exist for investors with strong personal reserves and credit profiles.
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 rental market continues to attract investors seeking cash-flow opportunities. The county's median household income of $82,184 reflects a market where rental yields remain competitive for buy-and-hold strategies.
No-ratio financing is gaining traction for investors when current rents don't support standard DSCR qualification thresholds. This flexibility opens doors for properties with strong appreciation potential but modest near-term cash flow.
Investor loans in San Bernardino typically require 680+ FICO, though some lenders accept 660+ with compensating factors. Down payments range from 20% to 25% depending on property type and occupancy status.
California's investor-loan market splits between portfolio lenders and correspondent banks. Portfolio lenders hold loans in-house and often accept lower DSCR or no-ratio scenarios. Correspondent lenders sell to investors and follow stricter overlays.
Closing timelines for investor loans run 30–45 days. Appraisals require recent rent rolls and lease agreements. Most lenders want 6–12 months of bank statements and tax returns showing investment experience.
Investor loans make sense in San Bernardino when you're buying a multi-unit or single-family rental with solid rent potential. The county's $82,184 median household income supports rental rates that pencil for 1.0+ DSCR on modest properties.
They don't pencil when you're chasing appreciation alone without rental income. If the property won't support its own debt service, no-ratio programs exist — but they demand larger down payments and stronger personal finances.
Investor loans differ from owner-occupied conventional financing in one key way: they require proof of rental income. Owner-occupied loans let you claim the property as your primary residence and skip DSCR entirely.
If you're buying a rental, investor loans are the only path. If you're buying a home you'll live in, owner-occupied conventional is simpler and often carries a lower rate. The choice depends on occupancy, not the property itself.
San Bernardino's Inland Empire location makes it a logistics and distribution hub. That infrastructure attracts renters and supports stable occupancy rates for residential investors.
The county's population of 2,187,816 and growing job base in warehousing and retail mean tenant demand remains steady. For buy-and-hold investors, that translates to lower vacancy risk.
Most lenders require 680+ FICO. Some portfolio lenders accept 660+ if you have strong reserves and rental income. Higher scores open better rates and lower down-payment options.
Yes — no-ratio programs exist for investors with strong personal finances and reserves. Plan on 25%+ down and 6–12 months of liquid reserves. You'll pay a rate premium for the flexibility.
Standard investor loans require 20–25% down. No-ratio programs may accept 25%+ down. Multi-unit properties sometimes allow 20% with strong DSCR.
Expect to provide recent tax returns, 6–12 months of bank statements, rent rolls, lease agreements, and proof of investment experience. Appraisals require current rental documentation.
Investor loans typically close in 30–45 days. Portfolio lenders move faster than correspondent banks. Appraisal turnaround and document collection are the main timeline drivers.